From time to time, most people run out of money – but bills and expenses have a habit of continuing to roll in.

Have money ready to use whenever yours runs out

The Cashplus iDraft credit line may be the answer. It can take the pressure off, because it’s an ongoing re-usable line of credit linked to your Cashplus prepaid Mastercard® Account, ready and waiting to kick in whenever you run out of your own money, subject to you meeting and continuing to meet APS’ lending criteria. And once set up, you can use it again and again as you pay it back.

You can use iDraft for whatever you need:

What’s more, there’s no interest to pay – just an annual fee and then it’s just a flat fee for each day that you have a balance on your iDraft. And remember, the sooner you repay the iDraft, the cheaper it could work out. What’s more, setting it up is easy.

Add an iDraft to your account in 3 simple steps:

We’ll let you know by email and in Online Servicing when a Cashplus iDraft is available for you. Then just:

  1. Visit Online Servicing and click on the ‘iDraft’ button on the left to apply
  2. Read your personalised offer documentation
  3. ‘Accept’ the Terms & Conditions

Your iDraft credit line will then be in place in just a few hours.

Please note, you need to be registered for Online Servicing to get your iDraft, as this is the only way to apply for it. If you’re not already registered, please visit Online Servicing to ‘Register’. And if you don’t already have a Cashplus Account, apply now in a couple of minutes. If you live in the UK and you’re over 18, you’re 100% guaranteed* to be approved for one.

Representative example:

iDraft credit line amount: £100 for 12 months, 0% interest, 75p per day flat usage fee, capped at £10 per monthly statement period, plus an annual fee of £20. Total amount payable: £240. Representative 230% APR.

Late repayment can cause you serious money problems. For help, go to