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Do I need a valid bank account to get a credit line?

Yes, you need a valid bank account where we can deposit your funds if your Drafty credit line is approved. Your bank account details are important because we need to verify that you have a bank account in working order. The requested cash amount from your approved credit line will be deposited to this bank account. The cash transfer process is initiated within 15 minutes* of approval.


If you have a valid bank account, you can begin the application process now.

Representative 89.7% APR
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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.
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0203 365 0135#

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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