Drafty | Personal Credit 4+
GAIN Credit Holdings, Inc.
Designed for iPhone
-
- Free
iPhone Screenshots
Description
Tired of payday loans or other expensive forms of credit? Drafty is your fee-free way to get access to cash when you need it.
Drafty is an FCA-authorised provider of a Revolving Line of Credit. With Drafty, you get a credit limit of up to £3000 that you can dip into whenever you need. You pay interest only on the amount of credit you use with no other charges or fees. All applications are subject to status and affordability & credit assessment.
If approved, you'll be given a Drafty account - a line of credit with an agreed credit limit. You can draw cash from your credit line at any time up to the available credit limit and save the rest as a safety net for later.
With the Drafty app, you can:
• Apply for up to £3,000.
• Redraw cash within your approved limit.
• Check your available balance.
• Manage your repayments.
If you want to find out more about Drafty and how it offers an alternative to loans, check out our website at drafty.co.uk.
Drafty is a credit line with a representative and maximum APR of 96.2% (Variable). There are no additional fees. There is no minimum and no maximum repayment period as long as you repay the minimum repayment amount. You may repay back early without any fees and save on interest. Drafty doesn't offer fixed loans under 60 days.
Representative Example: Assumed credit limit: £1200. Representative 96.2% APR (variable).
Annual interest rate 69.4% (variable).
What’s New
Version 3.45.3
A few enhancements and technical fixes. Please keep our app updated so you've always got our latest improvements.
Ratings and Reviews
Great
Great lending option, one problem new iOS update is making the app think my phone is jail broken and won’t do anything
Garbage
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!!
Frustrated
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., 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
Information
- Provider
- GAIN Credit Holdings, Inc.
- Size
- 28.3 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Mac
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2017 GAIN Credit LLC
- Price
- Free