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Using Drafty will need financial discipline to pay off the credit and not use it again, so if you vulkan platinum gold don't have that, and you only want the one-off loan, set fixed repayments each month, then shut down your account once the loan's paid off. There's no minimum or maximum repayment period, you can borrow from Ј50 to Ј6,000 - but as it's a line of credit. Offering payday-style loans at a low-ish 79.4% rep APR, drafty's a new loans service. As it's a credit union, its APR on loans is limited to 22.5%, meaning that Ј420 borrowed for one month will cost just Ј8 in interest. It'll charge Ј13 to transfer, if you need cash the same day. Borrowing Ј480 with Drafty for one month will cost you around Ј20 in interest. To get a loan, you'll need to live or work in Leeds, Wakefield, Harrogate or Craven, be a resident of certain housing associations, or work for one of these employers.

CUOK Loans is the payday loan section of the London Mutual Credit Union, which is for people who live or work in the boroughs of Camden, Lambeth, Southwark and Westminster.

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