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What credit line fees do you charge?

You don't have to be concerned about incurring surprise Drafty fees. We pride ourselves on offering credit lines with no fees whatsoever.


This means there are no late fees, no application fees, no transaction fees, and no fees for paying your credit line off early. We have no hidden fees at all. If you find yourself contacted by a company or individual purporting to be Drafty asking for an upfront fee or upfront payment of any kind, please see our caution against fraudsters.


Ready to get the cash you need? Get started on our application process now.


If you would like to learn more about a Drafty credit line, go to our About Drafty page.


Representative Example

Annual Interest Rate: 65.7% (Fixed)

Total amount of credit: £1200

Representative APR: 89.7%


Total amount payable: £1601.40


Our application process is simple. We provide an instant decision and let you know the full amount you will be able to receive.

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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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