Credit your way
Forget payday loans. We consider customers with bad credit.
A line of credit between £50 and £3,000.
Use as much or as little as you want.
Only pay interest on what you use.
Representative 96.2%APR (variable)
Representative Example: Assumed credit limit: £1,200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable).
Get a loan between £1,000 and £3,000.
12, 18 or 24 months to repay.
Fixed monthly payments.
Representative 79.9%APR
Representative Example: Given a Representative APR of 79.9%, if you borrow £1000 over 18 months at 59.9% p.a. (fixed), you would owe 18 equal repayments of £85.56. You will repay £1,540.08 in total.
Not all applications will be approved for credit. An offer of credit is subject to status and affordability checks.
Why choose Drafty?
Trusted
Rated Excellent on Trustpilot with over 10,000 reviews.
Fast
Cash sent to your bank in under 90 seconds, if approved. It may take longer to reach your account depending on your bank’s processes.
Convenient
Secure online application available 24/7. An instant decision.
Pick what works best for you
A flexible line of credit
Drafty Flex, also known as a line of credit, allows you to borrow between £50 and £3,000, repay the borrowed amount, and then borrow again up to the approved limit.
You can apply below to borrow and get the money to your bank in 90 seconds, if approved. It may take longer to reach your account depending on your bank’s processes.
Credit line between
£50 – £3,000
No early repayment fees
Use again and again
within your credit limit
Representative 96.2%APR (variable)
Loans between £1,000 – £3,000
At Drafty, we offer loans from £1,000 – £3,000, with repayment periods of 12, 18 or 24 months.
You can apply below to borrow and get the money to your bank in 90 seconds, if approved. It may take longer to reach your account depending on your bank’s processes.
Loans between
£1,000 – £3,000
Repay in
12, 18 or 24 months
Fixed monthly
repayments
Representative 79.9%APR
Get in touch
If you have an account with us, the best and quickest way to get in touch with us is via live chat. You can also phone or email us.
Forget payday loans, choose Drafty
Payday loans are typically short-term, high-interest loans meant to get you by until your next payday, but most lenders no longer offer them due to their high fees and high costs. That’s where Drafty comes in. Drafty provides an alternative to payday loans online, offering flexible credit options like a line of credit between £50 – £3,000 or loans between £1,000 – £3,000. Plus, Drafty is just as convenient as any payday lender and a lot cheaper. You’ll get a quick decision with Drafty, and if approved, we’ll send the cash to your bank in under 90 seconds. It may take longer to reach your account depending on your bank’s processes. Plus, unlike a traditional payday loan that requires repayment on the next payday, Drafty allows you to apply for credit that suits your repayment capacity. The next time you look for payday loan lenders in the UK, consider Drafty instead.
Please think carefully about whether Drafty is the right solution for you. This is even more important if you're in financial difficulty. If we don't think you can afford to repay your credit, we won't be able to approve you. We'll look at your current finances and credit history before we decide whether to give you credit. Failure to repay could impact your credit file.