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What if I don't want the entire amount of the line of credit?

You don't have to use it. Don't worry - we won't charge you for money you don't draw. If you want to lower your credit limit, we get that - just call us on 0203 365 0135# or email us at and we'll sort that out for you.

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Drafty is a credit line with a Representative 89.7% APR, and a maximum APR of 91.2%. If you draw £50 against your credit line at 89.7% APR, it would be paid off in 6 months for a total of £60. There are no additional fees. There is no minimum repayment period and no maximum repayment period as long as you continue to repay the minimum payment amount. We don't offer fixed loans under 60 days.