Any form of credit can become more expensive than intended if it's misused. Drafty's designed to be used as and when you need it, but if you max out your Drafty line of credit and keep repaying only the minimum amount over a long period of time, it can become a more expensive way to borrow.

One of the reasons we carefully assess your ability to repay is to avoid putting you in this kind of situation, but this also means that you need to carefully consider your ability to repay. Review how Drafty works and how we charge before taking one out, so you know what you're applying for.

Our goal is to get you the cash you need, while ensuring you can comfortably repay.