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We’re your bank-free, fee-free, worry-free way to get cash – then get back to enjoying life.

Access up to £2500 today.

Choose your credit limit:

£ 500
  • £ 100
  • £ 200
  • £ 300
  • £ 400
  • £ 500
  • £ 600
  • £ 700
  • £ 800
  • £ 900
  • £ 1000
  • £ 1100
  • £ 1200
  • £ 1300
  • £ 1400
  • £ 1500
  • £ 1600
  • £ 1700
  • £ 1800
  • £ 1900
  • £ 2000
  • £ 2100
  • £ 2200
  • £ 2300
  • £ 2400
  • £ 2500

Representative 1192% APR (variable). Rates from 48.9% APR to max 1304% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 18 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed).

No Fees. Zero. Zip. Diddly squat.

We don’t like fees, you don’t like fees, so we don’t charge any. It’s that simple.

A better way than your bank.

When you need cash fast, Drafty may be a lot cheaper than taking out an unarranged overdraft or payday loan.

How it works

Consider Drafty your financial safety net. Here’s how to get started.

Apply.

We’ll make an instant decision if you qualify.

Set a Credit limit.

Not a personal or payday loan. It is a revolving line of credit where you can draw against your credit limit as needed and only pay interest on what you draw from the credit limit.

Get cash in minutes.

Draw up to your limit, anytime. We’ll get the money transfer to your bank account started within 4 minutes.*

Flexible repayments.

There’s no charge for paying back early – that’s a good thing!

Need Emergency Cash? A Fast Loan Can Be a Solution!

Looking to Get Quick Cash?

Have you found yourself in need of some quick cash but don't know how to get it? Are you embarrassed to ask your parents or family and friends for money when you need it? Money troubles are very common for individuals, couples and families alike, but we are here to connect you with a provider of cash loans. If you've tried getting loans before and have been rejected, it's very likely that you were applying to a bank or large lending company which had lots of requirements.

While the lenders we connect you with require certain things, it is generally easier and quicker than going to the bank for money.

Perhaps you'll miss out on a great bargain if you wait until your next payday, and you just need some cash now before it's too late. Maybe there's a special occasion coming up that you've forgotten to plan for, or perhaps it's just a bad month for bills and expenses.

Whatever your needs, we welcome anybody who wants to apply.

Advantages:

Short-term loans are borrowed by clients and then paid back over the next few weeks. They provide a convenient way of getting money when you need it, rather than having to wait until you're paid from your job. Although many people are successful in getting loans, it's important to understand that they are in no way “guaranteed loans.”

However, due to the fact that there is less criteria required than a regular bank loan, the chances of being approved are significantly higher for a lot of people. The best way to find out whether or not you're eligible to get one is by applying – a process which is quick and easy and involves filling out your personal details.

With banks, there are many lengthy steps involved. Customers must visit the bank, wait to be seen by a manager and then discuss in-depth the reasons for getting the loan. In some cases, appointments are needed and several visits must be had before signing into any contracts. We can help you to apply from the comfort of your own home and without the need to wait around in queues to be seen.

Think you can get away without a credit check? Think again!

In the vast majority of cases, lenders will always carry out a credit check on potential clients. However, this doesn't mean that you won't get approved if you have poor credit. Many lenders deal with bad credit scores and won't refuse somebody just because their history is less than perfect. If you are working or receiving some form of income, the lender can see that you will be receiving money in the coming weeks in order to pay back the loan. Again, there are no promises of being guaranteed an approval and the best way to discover whether you can get one is by applying.

While you won't be able to find “no credit check” loans, it doesn't mean that bad credit will automatically disqualify you from ever getting a loan.

We work directly with lenders who can provide short-term loans to those in financial need. Once you've applied on our website, you have a chance of being connected with a lender who will then take the process further. The lender will carry out any necessary background checks and ask you for any documents which might be needed for the loan. Any correspondence should be made directly to the lender once you have started the application. If you decide not to go ahead with your application, you should notify the lender as soon as possible to ensure you don't incur any fees.

Short-term loans are more suitable for people who want to borrow larger amounts of money and then pay it back over a period of several weeks or months in installments. You will need to make installment payments until your loan has been paid off. For example, many people who borrow £2,500 won't be able to pay it back within 1-2 months. Instead, they are given a fixed period of time, for example, between 6 and 18 months, in which they can pay back the money at a more comfortable speed.

While many of the people don't come across any problems when paying back their loans, it's important to understand the consequences of failing to repay the money you have borrowed. There are fees for late payments or missed payments, which is why it is vital that you only borrow if you know you can pay the money back on time. Failing to do so could not only damage your credit score, but can lead to larger and further payments in the future.

While we can help you find lenders for quick loans from £100 to £2500, you shouldn’t borrow money that you can’t really afford to pay back.

If you want to pay back the loan early, simply contact your lender and let them know what you intend to do. In some cases, it may not be possible to arrange this, but some lenders will try to co-operate with you as much as possible in order to help you manage your finances effectively.

Many people search for “instant approval” loans

However, it's not possible to find any loans which are approved instantly. Although we can potentially connect you to lenders who can provide money really quick, you shouldn't expect to be approved straight away. There needs to be background checks carried out in relation to your employment history, financial record and bank details.

No matter what you need some quick money for, we will do our best to help you find it. We can't promise instant approval, no credit check or absolutely no faxing in order to get the loan, but we can promise you a simple process that could connect you with a lender who may be able to help you get the loan you need.

If you're looking for short-term loans, go to our request form and fill out your details.

Ready to got quid ?

Choose your credit limit:

£ 500
  • £ 100
  • £ 200
  • £ 300
  • £ 400
  • £ 500
  • £ 600
  • £ 700
  • £ 800
  • £ 900
  • £ 1000
  • £ 1100
  • £ 1200
  • £ 1300
  • £ 1400
  • £ 1500
  • £ 1600
  • £ 1700
  • £ 1800
  • £ 1900
  • £ 2000
  • £ 2100
  • £ 2200
  • £ 2300
  • £ 2400
  • £ 2500

Representative 1192% APR (variable). Rates from 48.9% APR to max 1304% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 18 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed).

WARNING: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
UkLoanCity.co.uk is a broker, not a lender, and does not make credit decisions.