It's not magic, star signs, or even haircuts.

We actually use a pretty sophisticated credit scoring system and affordability analysis to help make sure you're comfortably able to repay what you borrow.

We also monitor your Drafty account, so we can make sure you're not using it in a way that could become more expensive for you. If you demonstrate good repayment behaviour, we may be able to increase your credit limit. If you have difficulty repaying or if there is any suspicious behaviour, we may need to reduce your limit or even suspend your account