Drafty

Drafty brings a fresh approach to personal credit in the UK. As an FCA-authorised provider, Drafty offers a flexible line of credit designed for customers who need quick access to funds without the hassle of traditional payday loans. With the Drafty app, you can apply for a credit line up to 3000 pounds and draw funds whenever you need them. No need to submit a new application each time. Once approved, your credit limit stays available, and you only pay for what you use. Repay on your schedule and borrow again up to your approved limit whenever unexpected costs arise. The application process takes minutes online. Complete a short form, pass the affordability checks, and get a decision fast. Your income, expenses, and credit history are reviewed to offer a responsible credit limit tailored to your financial situation. Managing your account is straightforward through the mobile app. Check your available balance, transfer funds to your UK bank account, set up repayments, and view your full transaction history. You get complete control over your borrowing with clear pricing and no hidden charges. A simple interest rate applies with no late fees and no penalty charges for early repayment. You can clear your balance at any time without extra costs. The service believes in fair, responsible lending that puts customers first and keeps borrowing straightforward and transparent. To apply, you need to be over 18, live in the UK, hold a valid UK bank account and debit card, and have a minimum net monthly income of 1250 pounds. Credit and affordability checks are performed as part of the approval process to ensure responsible lending practices. Drafty offers a smarter alternative to expensive overdrafts and short term lending. Whether you face an unexpected bill, need to cover a car repair, or want to bridge a gap until payday, the flexibility to manage your finances on your terms brings confidence and peace of mind. The app provides instant access to your credit limit, real-time balance updates, and repayment scheduling tools. You can monitor your borrowing activity, track upcoming payments, and adjust your repayment plan directly from your phone. Security features include biometric login, encryption, and fraud protection to keep your account safe. Download Drafty today and discover how a flexible line of credit can simplify your borrowing experience. Apply once, access funds when you need them, and repay on your schedule with a trusted UK credit provider committed to responsible lending and transparent pricing.