Get £* for getting Drafty!
wants to tell you about being Drafty. Drafty is a refreshing and flexible way to borrow cash, fee free. That's right no fees, zero, zip, nada!
Apply once for up to £3,000 - and access the cash whenever you need it. No need to reapply and you only pay interest on the money you draw.
Representative 89.7% APR
*You need to draw money at least once from your Drafty account
and keep it active for days after being approved.
Click here for full terms and conditions.
Please refer to our Cookie Policy for important information on the use of cookies. By continuing to use this website, you agree to this.
Welcome Back
Welcome Back
BE FREE.
GET DRAFTY.
Your fee-free way to get cash - then
get back to enjoying life.
Access up to
£3000 today.
Representative
89.7% APR
NO FEES.
ZERO.ZIP.
DIDDLY
SQUAT.
We don't like fees, you
don't like fees, so we
don't charge any. It's
that simple.
A BETTER
WAY THAN
YOUR BANK.
When you need cashfast,
Drafty may be a lot
cheaper than taking out
an unarranged overdraft
or payday loan.^
CONSIDER DRAFTY YOUR FINANCIAL SAFETYNET.
How it works
Apply.
We'll make an instant decision if
you qualify.
Set a Credit limit.
Drafty gives you a pot of cash, up to £3000, that you can dip into whenever you need. If you don't use it, you don't pay a penny.
Flexible repayments.
There's no charge for paying back early - that's a good thing!
Get cash in minutes.
Draw up to your limit, anytime. We'll get the money transfer process to your bank account started within 15 minutes.*
CREDIT LINE, PAYDAY LOANS
& OVERDRAFTS
What's the difference?
When it comes to getting cash fast online, it can seem like there are lots of different companies all offering the same thing. However, a Drafty credit line is a new kind of product that can save you a lot of money in the long run. Here's how we're different from a payday loan (or any kind of short-term loan) and bank overdrafts.Credit Line
Payday Loans
Overdrafts
CUSTOMER REVIEWS
“I needed cash 2 weeks before pay day. I had nowhere else to turn, I was going Pawn my Guitar in Cash Converters; but then decided to do an online search. Drafty Seemed to be the best option from reviews and such. I thought I'd give them a go. Even though I was reluctant to give my bank details at first, I'm glad I did as they have sent me £150 which will only cost me £20 interest over 4 months! Thank you!”
-Simon, 11/10/16“Wow?so quick and efficient. Love the credit line idea, so much better to control.”
-Howard, 5/10/16“I read all FAQ's before I continued with your application. Everything is really straight forward & makes sense. Really great company thank you.”
-Lau, 30/9/16READY TO
GET DRAFTY?
Access up to
£3000 today.
Representative
89.7% APR
Are you sure you want to logout?
Logging out will discontinue the current application.
Cookie Policy
Cookies and Web Beacons
This policy sets out our use of Cookies when you use our App, Our Sites and/or App Site. (as defined in our Privacy Policy) Please read it carefully as it explains how we and third parties may make use of your data collected by such Cookies. If you wish to understand how we make use of your data more generally please read our Privacy Policy for our App Site, Our Site and/or App.
If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of the App Site and/or Our Site. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit Our Site or the App Site again, Cookies can enable us to customize our content according to your preferences. These cookies do not track user information in a way that identifies your name, and all our cookie data is encrypted and cannot be read by other websites. To find out more about accepting or refusing cookies please visit www.allaboutcookies.org.
Third-party tracking utility companies also assist us in tracking Our Site and/or the App Site activity and collecting Our Site and/or the App Site analytics data. We do not share any personal information with these third parties, but our tracking utility company uses session ID, persistent cookies to make it easier for you to navigate Our Site and/or the App Site. The use of cookies by our third-party tracking utility companies is not covered by our Privacy Policy. We do not have access or control over these cookies.
We also use Google Analytics to collect non-personally identifiable information, in aggregate form, to understand website/page visit volumes in terms of source, geography, browser, etc.
Google Analytics employs a software technology called web beacons, that help us better manage content on Our Site and/or the App Site by informing us what content is effective. Web beacons are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users or responses to emails. In contrast to cookies, which are stored on a user's computer hard drive, web beacons are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. Web beacons cannot be disabled in same manner as cookies may. We do not tie the information gathered by web beacons to our customers' personally identifiable information.
Website: Cookies used by Lending Stream and Third Parties
| Cookie | Description |
|---|---|
| sessionid | Identify customers when they login |
| csrftoken | Offers protection against Cross-Site Request Forgery |
| flavour, mob_num, m_override | Identify customers from mobile devices and render contents customized for mobile phone displays |
| lsrc, lsrc_detail, skey | Identify the source of the customer when he lands on the website for the first time and used for offering appropriate customer experience |
| landDispRand, esignDispRand, thankuDispRand, applydisprand, mmrand, sid, homedisprand, valueid, uniqid, m-override, _C_mob_num, _C_flavor, appl_keyVal, dssrand, OptimizelySegments, optimizelyBuckets, optimizelyPendingLogEvents, unique_id | Displaying certain pages based on the variant chosen for the customer |
| token_direct , payment_direct | Dropped by the secure debit card gateway to prevent fraud |
Third Parties Using Cookies
| Cookie | Purpose |
|---|---|
| sessionid | Used to maintain login session. |
| homeid | Unique id to identify arrival to website homepage |
| Csrftoken, tmsid | -To prevent forgery and fraud |
| trackingid | Combination of uniqid (permanent cookie) and valueid (session cookie)s |
| Lsrc, lsrc_detail, lsrc_history | To know the source of website visitor |
| __utma, __utmb, __utmc, __utmz | Google Analytics |
| NRAGENT | New Relic |
| _vis_opt_exp_<EXPERIMENT_ID>_goal_<GOAL_ID> _vis_opt_test_cookie _vis_opt_exp_<EXPERIMENT_ID>_combi _vis_opt_exp_<EXPERIMENT_ID>_exclude _vis_opt_exp_<EXPERIMENT_ID>_split _vis_opt_s _vis_opt_out _vwo_uuid | Website tracking and testing tool |
Any information that we acquire about you using cookies or other web tools is subject to the same restrictions and conditions as any other information we collect about you.
Mobile App
Cookies used by Mobile server:
| Cookie Name | Expiration Time | Description |
|---|---|---|
| sessionid | 30 mins | Used to maintain login session |
Cookies used by Google Analytics:
| Cookie Name | Expiration Time | Description |
|---|---|---|
| _ga | 2 years | Used to distinguish users. |
| _gat | 10 minutes | Used to throttle request rate. |
| __utma | 2 years from set/update | Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics. |
| __utmt | 10 minutes | Used to throttle request rate. |
| __utmb | 30 mins from set/update | Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics. |
| __utmc | End of browser session | Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit. |
| __utmz | 6 months from set/update | Stores the traffic source or campaign that explains how the user reached our App Site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics. |
| __utmv | 2 years from set/update | Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics. |
Cookies used by Piwik Analytics:
| Cookie Name | Expiration Time | Description |
|---|---|---|
| _pk_ref | 2 years from set/update | Used to distinguish users. |
| _pk_cvar | 30 minutes | Used for custom variables. |
| _pk_id | 2 years from set/update | Used to distinguish device. |
| _pk_ses | 30 minutes | Used to distinguish session. |
Contact Us
If you have any questions or concerns about the use of your personal information as described above, please contact us at Drafty, a trading name of Lending Stream LLC, Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA|Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378 | You can contact us at 0203 365 0135 (Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary) or email us at info@drafty.co.uk. | Copyright © Lending Stream
5 stars - "Very fast and easy to use." ^We think Drafty rates are something to be excited about, but we might not always be the cheapest option. Be sure to research before deciding on any financial product. *Subject to credit line approval, you will receive cash through our Express Cash Transfer option for free if supported by your bank. We can initiate the transfer process of funds into your account within 15 minutes after final approval of your credit line subject to an assessment of affordability and credit worthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures. #Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary. Responsible Lending: Carefully consider whether a credit line is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All credit line applications are subject to status, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability. Drafty is a trading name of Lending Stream LLC Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX, E-mail: info@drafty.co.uk | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA.| Registered in the State of Delaware,USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378