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Aqua is one possible option if you’re looking to build your credit rating and just looking for a few hundred pounds. It’s marketed as a ‘credit builder’ option for exactly this reason. You can apply for a Aqua credit card with a limit of up to £300. You’ll be charged further if you want to take out cash or transfer it, but if you repay it in full and on time, you won’t
be charged any interest.

There are other Aqua cards available. These include Aqua Classic (which can be used to improve your credit rating and has a lower representative APR ), Aqua Advance (which offers you a lower APR over three years if you stay within your credit rating and repay on time) and Aqua Reward (which offers you 0.5% cashback on purchases each year, up to £100 per year if you stay within your credit limit and pay on time). However, the Aqua Start card is specifically aimed at building the credit rating.

When you apply, if you succeed through their credit-check process, you’ll be sent an Aqua card in the post. This can take up to 14 days.

But there’s another option. You can apply for more money and it’s faster too.

Aqua start card representative 49.9% APR variable


Rather than waiting around for up to 14 days, Drafty offers you a credit line instead. That means you have access to cash as and when you want it. You just repay what you use, and the rest is there available for you whenever you want.

Any time you need cash, just log in and draw money from your credit line – it goes straight to your bank account, ready to be used.

When you apply with us, you’ll get a quick decision and the cash will be ready for you to draw in minutes*.


Access to cash
Late fee charges
Fees to draw cash
Transferring cash
Credit limit (New customers)
Within minutes of approval*
No fees
No fees
No fees
9.2 average on Trustpilot
£200 - £3000
Aqua card
(Aqua start)
1 to 14 days to receive card
For cash related transactions, 3%
of the transaction amount or £3,
whichever is greater
3% of the transaction amount
or £3, whichever is greater
8.6 average on Trustpilot
£100 - £300
Accurate as of 14/09/2017


Representative 89.7% APR


Consider Drafty your financial safety net. Here’s how to get started.

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We’ll make an instant decision if
you qualify.

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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.

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Repay and build your credit

Repay the minimum due every month. We appreciate on-time payments and report positive behaviour to bureaus! Plus, there's no charge for paying back early if you want to cut down on interest fees.

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Get Cash in Minutes

Draw up to your limit, anytime. We’ll get the money transfer to your bank account started within minutes*.

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.