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Tired of taking out payday loans or dipping into your bank overdrafts when you need some extra cash? Consider Drafty your new financial solution.

With Drafty, you set a credit limit up to your approved amount, and draw cash up to that credit limit at any time. You’ll get the money transferred to your bank account in just minutes. Pay only for what you use, and save the rest as a safety net for later.

You can use the Drafty mobile app to:
• Manage payments
• Draw cash
• Check your balance

Representative 89.7% APR

And unlike many payday loans and bank overdrafts – there are no fees! Drafty is a new way to get the money you need, without the hassle.

Using Drafty responsibly can help improve your credit over time – and save you money now. For instance, drawing £100 pounds for 28 days with Drafty will only cost you £5.04. Using an unarranged overdraft with RBS for the same amount would cost you more than 17 times as much at £90!*

Representative Example
Annual Interest Rate: 65.7% (Fixed)
Total amount of credit: £1,200
Representative APR: 89.7%
Total amount repayable: £1601.40

Have an idea for how we can improve our app? We’re always open to customer feedback. Send your suggestions to feedback@drafty.co.uk

Drafty is a credit line with a Representative 89.7% APR, and a maximum APR of 91.2%. If you draw £100 against your credit line at 89.7% it would be paid off in 3 months for a total of £109. 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.
*Accurate as of July 2016.

What’s New

Version 3.27

A few enhancements and technical fixes. Please keep our app updated so you've always got our latest improvements.

Ratings and Reviews

4.8 out of 5
2.6K Ratings

2.6K Ratings

Andyfletch ,


Great lending option, one problem new iOS update is making the app think my phone is jail broken and won’t do anything

Makunt Izichi ,


I initially thought it was great, I had a £500 overdraft off them which was in my account within minutes. I clear the overdraft immediately and I never defaulted in anyway....however just a week ago I went to buy Christmas presents and I needed to dip into the overdraft only to find my account had been suspended and without any notice....numerous phone calls and emails have been made and sent and I keep getting told my complaint will be dealt with within 3-5 working days, I waited for the 6th day to elapse before ringing them again only to be told the exact same thing...”please wait 3-5 working days”....if they had given me any notice of my account being suspended then I could of made other arrangements....but oh no....not a clue or a clue as to why ......seriously annoyed about the level of customer service!!

screwy64 ,


I was very happy with Drafty, until I had a problem, I have made 3 payments onto my account in the last few weeks, the payments have been successful but have not been deducted from my balance. I have spoken to them and they have said they would email me but I’ve not heard anything, I’ve tried emailing but keep getting the same standard reply telling me to email them on the same address I’ve already emailed or call on the number I’ve called that says they’re too busy to deal with me and to email.
I’m going round in circles and over a week later I still have no idea what’s happened to my payments and I guess I’m still accruing interest on the higher balance.
I’ve been happy to recommend them until now, but this is very poor customer service.

App Privacy

The developer, GAIN Credit Holdings, Inc., has indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


GAIN Credit Holdings, Inc.
39.2 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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