Drafty

Drafty is a company that gives you a line of credit, as such, we are a pot of cash available to you.

After repaying the cash, you can still use from the pot. Essentially, we are not a loan, an overdraft or a credit card however we are a combination of all of these things.

We do not charge any subscription fees

You only pay interest on the cash you use until its repaid. With us, you only have to apply once to access credit, we can offer you up to £3,000. Once you’ve opened your line of credit its accessible to you up to your approved limit, as such you can withdraw cash again and again. You can withdraw any amount at any time and best of all the money will be sent to your bank account within 90 seconds. In addition, we are fee-free.

Get approved in seconds

We make a swift decision regarding your line of credit request provided you qualify. We offer you a pot of cash to the value of £3,000, of which you can dip into whenever you need. Best of all, what you don’t use, you don’t pay a penny! Run out of cash? We transfer fund to your bank account within 90 seconds. As long as you repay your monthly minimum, you can borrow for as long as you wish. Above all, we do not charge any charges if you repay late.

You have the opportunity to accept the offer within 30 days

If you don’t accept our offer, we will not be able to increase your limit, to avoid missing out on important information download our app for iOS and Android, and stay on top of notifications.

Am I eligible?

We are most likely to assist you if you meet our basic requirement, see below:

• Be 18 years or older
• Be employed a full time
• Earn a salary of at least £1,250 a month
• Be a UK resident
• Have an active bank account and debit card

Get a loan with a bad credit history

Our credit checks literally take a couple of seconds, and we simply do this to assess your affordability of taking up a line of credit. As responsible lenders, we do not want to put you in a difficult situation. In the event, you are request is accepted with us, we’ll agree on a credit limit with you and you will have access to the funds within seconds even if you have a bad credit score.