Your personal line of credit

Forget payday loans. Forget fees. Forget plastic. Get Drafty. Up to £3,000. Representative 96.4% APR (variable). Subject to status. T&Cs apply.

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About Drafty

Drafty is a flexible, easy-to-use alternative to loans, overdrafts and credit cards. Our line of credit offer’s a fresh perspective, helping you boost your finances while staying in control.

We believe there is more to someone than just their credit score, meaning you can apply even if you have bad credit. If your application is approved, we’ll set a credit limit and you can withdraw up to that amount.

What makes a Drafty line of credit different? Well, you can reuse your credit line as much as you like without having to reapply each time. What’s more, you can repay a little extra anytime and you’ll save on interest – how good is that?

We’re fully regulated by the Financial Conduct Authority (FCA) and never offer our credit line to people if we think it will only make their financial situation worse. We’re proud of the service we offer to our customers, but
don’t just take our word for it. Take a look at our reviews and see why we’re rated ‘Great’ on Trustpilot.

What does a Drafty credit line offer?

We like to think of ourselves as a loan’s fun cousin. We could offer you a line of credit that still gives you everything you want from a short-term personal loan and, then some.

So, what does a Drafty line of credit offer you?


We’ll send out the cash to your bank within 90 seconds of you asking for it, once you’re approved.


With a Drafty line of credit, you can apply for up to £3,000 and use what you need from your approved credit limit.


As it’s a line of credit, you can reuse Drafty whenever you need without having to reapply.

No fees

There are no fees. What’s more, you only pay interest on what you use. Payback sooner, save on interest!

Drafty Blogs


How To Save Money When Shopping For Food?

The problem with food is that it’s not a one-time purchase like a winter coat is.

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How To Save £20000 in a Year in UK?

Sounds impossible doesn’t it – saving £20,000 in a year. But it can be done.

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Cost of Living Crisis UK in 2022: Why Are Prices Rising?

It’s all we hear about these days – the cost of living crisis in the UK. But what’s it all about?

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