Rating based on 37 reviews



  • Payday loans up to £3,000
  • Low-interest starting from 89.7%
  • Repayment up to 6 months

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Drafty homepage

Author Drafty. Screenshot of Drafty website. [Accessed May 15, 2020]

About Drafty

Drafty is a payday loan provider that offers rates and customer service to get excited about.

Are you looking for a payday lender to see you through until you get paid? We offer payday loans that are flexible and easy to get, and the perfect solution for any cash emergency. You should not have to wait for the funds you require, thus we have ensured our fund transfer process is as fast and efficient as possible.

Fast loan transfers

Receive your cash through our Express Cash Transfer option for free, provided that it is a feature that is supported by your bank. We are able to transfer funds in as little as 15 minutes after approval. Our aim is to provide you with the funds you require in the shortest time possible.

Preferred payday lender

Formed by a team of exceptionally bright financial experts, Drafty is the right choice for your payday loan requirements. After realising what consumers needed most, we have designed our lending services accordingly.

Bad credit loans available

We understand that perhaps your credit history is not perfect and we aim to cater for individuals who are unable to apply for loans with traditional lenders and banks. Our lending requirements are flexible to ensure we are able to assist as many people as possible by providing bad credit loans.

Drafty Services

On offer, you will find an innovative credit line payday loan that allows you to borrow up to £3 000.

What are payday loans?

Payday advances are high-interest short-term loans that are designed for short-term financing requirements.

What is the Drafty credit line?

Our credit line payday loans allow you to have access to funds at any time.

The main difference is that with traditional payday and short term loans, your balance will be due by a specific, predetermined date.

Fantastic loan features

Drafty payday loans offer unique features that you cannot find with any other lender in the industry.

We truly aim to assist our customers every step of the way in getting a loan online.

  • There are no additional fees.
  • There is no minimum repayment period and no maximum repayment period.
  • The only repayment requirement is that you continue to repay the minimum payment amount.

Drafty Product Details

  • Loan Type Payday loans
  • Interest Rate from 89.7%
  • Loan Amount up to £3,000
  • Repayment 6 months

Benefits of Drafty

  • No hidden fees
  • Quick online application and decisions
  • Flexible repayment options

Trust Drafty for all your payday loan requirements

The online loan application process could not be any easier. Simply apply online and we will make an instant decision on whether you qualify. Your credit limit will then be determined and you have instant access to the funds as and if you require it.

Fast loans of up to £3000

Depending on your unique needs and affordability, you could have access to up to £3000 that can be used as you need to. You only pay for what you use and not a penny more.

Flexible repayments

Flexible repayments are not only an option, it is a guarantee. Should you wish to repay early; we do not charge any early repayment fees. In fact, we encourage you to do so as it helps you save on interest paid back.

Get cash in minutes

You will receive your quick loan within minutes and you are able to draw up to your limit, anytime. Why wait longer than 15 minutes to get the funds you require?

Drafty credit line requirements

There are a few basic credit line eligibility requirements that each applicant are required to meet.

  • You must be a UK resident.
  • At least 18 years of age.
  • You must also be in regular employment.
  • You must have a monthly income of at least £1250.
  • You are also required to have a valid debit card and an active bank account.

How do you make credit approval decisions?

The credit approval of an individual depends on a number of factors. In order to decide how much you can borrow via a payday loan, we use a refined credit scoring system and affordability analysis. It allows us to assess your ability to repay in a sustainable manner. As a responsible lender it is our responsibility to ensure that you are able to afford the loan you have applied for.

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Drafty is a trusted & reliable provider of payday loans

In our review, Drafty adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Drafty is a registered credit provider in the UK; FCA number 689378

Customer Reviews & Testimonials

A good option if you are looking for a relatively small loan at a very affordable rate.

Clemence A
— Bristol —

Quick and easy, I could apply for my loan using my smartphone while at tea with a friend.

Dinah B
— Liverpool —

Drafty Contact Details

Contact Number


  • not available


Physical Address

  • Wisteria Grange Barn,, Pikes End Pinner England HA5 2EX United Kingdom
  • Get Directions

Opening Hours

  • Monday 07:00 – 22:00
  • Tuesday 07:00 – 22:00
  • Wednesday 07:00 – 22:00
  • Thursday 07:00 – 22:00
  • Friday 07:00 – 22:00
  • Saturday 07:00 – 22:00
  • Sunday 07:00 – 22:00