We'll do everything we can to avoid putting you in that position. This is why we don't accept everyone who applies, and why we do affordability checks.

However, we understand that situations can change sometimes. If you find yourself unable to repay your minimum repayment, please contact us immediately. Depending on your circumstances, we may be able to set up a payment holiday or alternative payment arrangements. You can also contact free debt advice providers like the Money Advice Service.

If you are considering whether a Drafty line of credit is right for you, you can read our About Drafty page.