Personal Credit - Your alternative to payday loans

Exclusive Representative APR 28.8%
Forget payday loans. Forget fees. We’ll consider your application even if you have bad credit

Personal Credit - Your alternative to payday loans


  • Zero fees
  • Cash transfer to your bank in under 90 seconds, once approved
  • No repeat credit checks


Drafty line of credit is an easy-to-use, exciting alternative to loans, overdrafts and credit cards. You can apply even if you have bad credit. If approved, you’ll be given a credit limit and can borrow up to that amount. Keep your account healthy and you can reuse it. By 'healthy', we mean make minimum payments at least and don’t permanently max it out.

Representative 28.8% APR. Based on drawing £1,200 and repaying in 12 equal monthly installments plus interest at an Annual Interest Rate of 25.55% (Fixed). Total amount payable is £1,366.07.

Please think carefully about whether Drafty is the right solution for you. This is even more important if you're in financial difficulty. A line of credit is an expensive way to borrow (especially long-term). If we don't think you can afford an account, we won't give you one. We'll look at your current finances and credit history before we decide whether to give you an account.

  • Interest rates may vary depending on your circumstances. If you do not qualify for the 28.8% you may be offered a product at a higher rate.
    Drafty is a trading name of GAIN Credit LLC
    Contact Address: PO Box 10756, LEICESTER, LE3 4GX, E-mail: [email protected] | 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.

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