Please refer to our Cookie Policy for important information on the use of cookies. By continuing to use this website, you agree to this.  

If I'm not approved for a credit line, can I find out why my application was declined?

We consider many factors when deciding whether or not to approve your credit line request. If information we receive from a credit reference agency is a factor in denying your application, we'll let you know the name of the credit reference agency by email, so you can check your credit file with them if you wish. Keep in mind that your credit file is changing regularly, so you may qualify at some point in the future. Unfortunately, our Customer Service representatives don't have access to why a particular application is declined.


You can read more about a Drafty credit line on our About Drafty page.

Representative 89.7% APR
PREV NEXT
Back to FAQs
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.
CALL

0203 365 0135#

Short Term Loans  | Bad Credit Loans  | Same Day Loans  | Quick Online Loans  | Safetynet Credit  | 118 118 Money  | Vanquis Credit Card  | Aqua Card  | Amigo Loans  | Overdraft Comparison
Personal Line of Credit - Drafty - 4.7 stars out of 5 based on 2366 reviews  consolidated by Google from Trustpilot.com and Reviews.co.uk.
5 stars - " Very fast and easy to use."

*Subject to credit line approval, you will receive cash through our Express Cash Transfer option for free if supported by your bank. We can initiate the transfer process of funds into your account within 15 minutes after final approval of your credit line subject to an assessment of affordability and credit worthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures.

#Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.

Responsible Lending: Carefully consider whether a credit line is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All credit line applications are subject to status, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.

Drafty is a trading name of GAIN Credit LLC

Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX, E-mail: info@drafty.co.uk | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA.| Registered in the State of Delaware,USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378