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A credit line is an ongoing account with Drafty. Here’s how it works. With a Drafty credit line, you get a pot of cash, up to £3000, that you can dip in and out of at any time. There are absolutely zero fees associated with your account, and you pay interest only on the amount you draw. When you draw cash, we start the funds transfer right to your bank account within 15 minutes*. We’re like a financial safety net – the cash in your credit line is there if you need it, but you don't have to use it. Plus, you can choose whether you want to make more than your minimum payment or repay early, which will help reduce the overall cost of your credit line.
Once you are approved for a credit line, if you require access to additional funds, now or in the future, simply log in to your online account and request a transfer of funds, up to your approved amount. As long as your account is in good standing, we'll initiate a cash transfer process within 15 minutes* directly to your bank account. There is no additional application process or credit check involved. Remember to only borrow what you can comfortably repay. Learn more on the About Drafty page. Otherwise, get started on your application today.