Line of Credit & Overdrafts
Flexible borrowing you can dip into as needed
Pros
- Interest only charged on what you actually draw down
- Reusable — no need to reapply each time
Cons
- Requires an approved facility in place before you need it
About Line of Credit & Overdrafts
A line of credit or arranged overdraft lets you borrow flexibly up to an agreed limit, paying interest only on what you actually use — often a cheaper alternative to a one-off cash advance for ongoing, variable needs.
How this works
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Frequently asked questions
Is a line of credit cheaper than a cash advance?
Often yes, for ongoing needs — because you only pay interest on what you draw down, not the full limit, whereas a one-off cash advance charges from the full amount immediately.
Do you lend money directly?
No — Budget Cash Advance is a comparison/marketing service, not a lender. We introduce you to FCA-authorised lenders and brokers.
What is representative APR?
It’s the interest rate at least 51% of successful applicants will actually receive — your own rate may differ based on your circumstances.
What happens after I request a callback?
A partner lender or broker reviews your enquiry and explains your actual options and rates directly — there’s no obligation to proceed.
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