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A Vanquis credit card is an example of what's sometimes called a 'credit builder' card. They're aimed at providing credit for people with bad credit history, so they come with a higher interest rate and APR than most regular credit cards.

If you're successful when you apply for a Vanquis card, you'll receive it within two weeks and you can then use it in the same way as any other credit card.

But it's not the only option out there. We've got something we think you might like even more. It's also faster.


Drafty is a way to access cash that you can borrow any time you wish. It's a credit line of up to £3,000 for new customers(rather than Vanquis's £1,000). If you're approved, you just use your Drafty account to add funds to your bank account. Once you've paid it back, the cash is there for you to draw again, whenever you want.

Approval usually takes just minutes and whenever you want to draw cash, it goes through to your account within minutes. And once you're approved, you don't need to worry about further credit checks any time you want to draw cash from your credit line.

Oh, and did we mention? It's fee-free. So that means no Vanquis-style £12 late-fee charges if you don't pay on time. We won't do that. At all.

There's more, too. If you want to just wander down to the 'apply' button, go for it, but if you have a minute check out this table to see other reasons you might like us.


Late fee charges
Fees to draw cash
Access to cash
Eligible to increase credit limit
(subject to approval)
Credit limit
(New customers)
Payment holiday
No fees
No fees
Within minutes of approval*
Every 4 months
For cash related transactions, 3% of the transaction amount or £3, whichever is greater
10-14 days to receive card
Every 5 months
Accurate as of 12/07/2017


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.