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Drafty was created by a team of frighteningly bright financial nerds, who realised that A LOT of people are being ignored by traditional lending companies. When it comes to getting a quick loan or credit, there are payday loans on one end of the spectrum, and high street banks on the other. But what about the people who may fall in the middle? Designed for people who might not have a great credit rating, but don’t have a terrible one, either? After a fair amount of research, we discovered there weren’t many good options for those in what we like to call ‘the financial middle’. Hence – Drafty was born.

With a Drafty credit line, you get...
A pot of cash, up to £3000, that you can dip in and out of whenever you like.
We have absolutely zero fees, so there won’t be any nasty surprises.
And with a representative 89.7% APR, it works out to be an affordable way to get cash fast.
To translate that into real money, borrowing £100 for 28 days with Drafty will only cost you £5.04.

Check out our Pricing page for more information about how much you could save.

Our Customers
Drafty customers are a diverse bunch! Here’s a top level look:
Accurate as of 30/10/2016
Read our reviews
Credentials and certifications

Drafty, a trading name of GAIN Credit LLC

Company Registration No. 4124111

Authorised and Regulated by the Financial Conduct Authority.

Registration Number 689378.

Authorisation can be checked on the Financial Services Register

Data Protection Registration No. Z2752028

Registered under the laws of Delaware, USA

Registered address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA

Lender Details: GAIN Credit LLC, Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX

Drafty is a credit line with a Representative 89.7% APR, and a maximum APR of 91.2%. If you draw £50 against your credit line at 89.7% APR, it would be paid off in 6 months for a total of £60. There are no additional fees. There is no minimum repayment period and no maximum repayment period as long as you continue to repay the minimum payment amount. We don't offer fixed loans under 60 days.