{"id":130392,"date":"2018-08-31T13:13:53","date_gmt":"2018-08-31T12:13:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=130392"},"modified":"2026-02-23T12:10:15","modified_gmt":"2026-02-23T12:10:15","slug":"drafty","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/payday-loans\/drafty","title":{"rendered":"Drafty loans review 2026"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p class=\"has-margin-bottom-xxsmall\"><strong>Warning:<\/strong> Late repayment can cause you serious money problems. For help, go to <a href=\"https:\/\/www.moneyhelper.org.uk\/en\" rel=\"follow noopener\" target=\"_blank\" class=\"fin-text-navy\">moneyhelper.org.uk<\/a>.<\/p><p><strong>Please note:<\/strong> High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.<\/p><\/div><\/article><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"overview\">What is Drafty?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/drafty-line-of-credit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Drafty%22%2C%22site%22%3A%22UKFSL%22%2C%22offer_id%22%3A%2219876%22%2C%22niche_code%22%3A%22UKFSL%22%2C%22product_id%22%3A%2256abf60b-ee38-4a1d-91d4-8075fa1901e3%22%2C%22product_name%22%3A%22Drafty%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%22d235693b-aa37-421e-aefc-4e17d137ae66%22%2C%22provider_name%22%3A%22Drafty%22%2C%22post_id%22%3A%22130392%22%2C%22post_path%22%3A%22payday-loans%252Fdrafty%22%2C%22post_country%22%3A%22uk%22%7D\">Drafty<\/a> is a direct lender (not a broker) authorised and regulated by the Financial Conduct Authority. It offers borrowers ongoing access to a line of credit of up to \u00a33,000 that they can borrow against quickly and easily when necessary. Drafty is a part of GAIN Credit LLC, a popular US-based lender that also owns <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/lending-stream\">Lending Stream<\/a>. Launched in 2015, it markets itself as an innovative and flexible alternative to expensive short term loans or overdrafts.<\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"how\">How does Drafty work?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Unlike regular short-term loans, Drafty actually offers a line of credit account in which you only pay interest on the credit you use. How long you borrow is up to you, as long as you pay the minimum monthly repayment. Also, there are no late fees or no early repayment fees. Drafty says it aims to send the cash from your credit line to your bank within 90 seconds.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Is Drafty a payday loan<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>No, it\u2019s not. However, it <em>is<\/em> designed to fulfil a similar function \u2013 namely, a means to borrow relatively small amounts of money quickly when you find yourself a little short.<\/p><p>With a representative APR of 96.2%, it\u2019s cheaper than traditional payday loans \u2013 falling below the Financial Conduct Authority\u2019s 100% APR threshold for \u201chigh-cost short-term credit\u201d.<\/p><\/div><\/div><\/div><h3>Key features of a Drafty line of credit<\/h3><p>If you\u2019re approved for a Drafty line of credit, you\u2019ll be given a credit limit and access to the facility either on Drafty\u2019s website or via the Drafty app.<\/p><div data-category=\"\" data-niche=\"UKFSL\" data-fieldset=\"default\" class=\"UKFSL default \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Product Name<\/th><td class=\"i_infobox_data product_infobox_data\">Drafty Line of Credit<\/td><\/tr><tr><th>Available Amounts<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a350 to \u00a33,000<\/td><\/tr><tr><th>Representative APR<\/th><td class=\"i_infobox_data product_infobox_data\">96.2%<\/td><\/tr><tr><th>New customer maximum<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a33,000<\/td><\/tr><tr><th>Loan terms<\/th><td class=\"i_infobox_data product_infobox_data\">Open-ended line of credit<\/td><\/tr><tr><th>Maximum APR<\/th><td class=\"i_infobox_data product_infobox_data\">1,721%<\/td><\/tr><tr><th>Soft search eligibility check<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Employer contacted during application<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/2000\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Funding speed<\/th><td class=\"i_infobox_data product_infobox_data\">Drafty says it aims to send the cash from your credit line to your bank within 90 seconds.<\/td><\/tr><tr><th>Repayment period options<\/th><td class=\"i_infobox_data product_infobox_data\">Monthly<\/td><\/tr><tr><th>Default repayment method<\/th><td class=\"i_infobox_data product_infobox_data\">Continuous payment authority<\/td><\/tr><tr><th>Additional repayment methods<\/th><td class=\"i_infobox_data product_infobox_data\">Online payment<\/td><\/tr><tr><th>Repay early at any point<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Parent company<\/th><td class=\"i_infobox_data product_infobox_data\">GAIN Credit<\/td><\/tr><tr><th>FCA registration number<\/th><td class=\"i_infobox_data product_infobox_data\">689378<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3>Pros and cons of a Drafty credit line<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>No hidden fees<\/li>\n                                    <li>Fast funding<\/li>\n                                    <li>Only pay interest on what you use<\/li>\n                                    <li>Convenient once set up<\/li>\n                                    <li>More competitive rate than many payday loans<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>May be harder to get approved for than some payday loans<\/li>\n                                    <li>Be wary of only making minimum repayments and letting your debt drag on<\/li>\n                                    <li>Because the line of credit is always there and available, you might be tempted to borrow when you otherwise wouldn't<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Am I eligible for a Drafty Credit line?<\/h3><p>You should only apply for a Drafty credit line if you\u2019re certain you can meet the repayment terms. You must also meet the following criteria:<\/p><div data-category=\"\" data-niche=\"UKFSL\" data-fieldset=\"eligibility\" class=\"UKFSL eligibility \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Residency<\/th><td class=\"i_infobox_data product_infobox_data\">UK resident<\/td><\/tr><tr><th>Minimum age<\/th><td class=\"i_infobox_data product_infobox_data\">18<\/td><\/tr><tr><th>Min. income<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31,250 a month (you must be paid monthly to be considered for a line of credit)<\/td><\/tr><tr><th>Additional eligibility notes<\/th><td class=\"i_infobox_data product_infobox_data\">You must have an active bank account and debit card.<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How do I pay back my Drafty credit line?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Like most short-term credit providers, Drafty uses a continuous payment authority (CPA) to collect minimum monthly repayments from your bank account. You can also make additional payments (or even pay off the credit line in full) at any time without being charged a fee.<\/p><\/div><\/div><\/div><h3>Drafty customer reviews<\/h3><p>Drafty has received positive reviews from customers, according to review platform Trustpilot. It currently has an \u201cexcellent\u201d rating of 3.9 out of 5, based on more than 10,100 reviews (updated February 2024). Many customers praised their helpful customer service and quick loan application process. Negative reviews highlighted their high APRs.<\/p><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How do I apply for a Drafty line of credit?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><ol class=\"has-margin bottom\"><li>Complete the simple online application form by answering some basic questions about yourself and your employment. In some circumstances, you may be asked to verify some details or submit further documents by phone, email, or fax. Drafty will not tell your employer about your application.<\/li><li>Drafty gives you a quick decision based on your affordability and credit checks. If it\u2019s a \u201cyes\u201d, you\u2019ll be able to access your Drafty account through the website and app.<\/li><li>You are told how much is available for you to borrow. Choose how much you want, and Drafty sends the money to your bank in under 90 seconds. Your first withdrawal must be for a minimum of \u00a350, and subsequent withdrawals must be for a minimum of \u00a3100.<\/li><\/ol><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Does Drafty do a credit check?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Yes. As a responsible lender, Drafty runs a \u201chard\u201d search of your credit file as part of its affordability analysis. However, it also states that it\u2019s interested in more than just your credit history and reviews your unique situation in considering your application.<\/p><p>From then on, you won\u2019t be subject to further \u201chard\u201d credit checks, but as long as your account remains open, Drafty can monitor your credit situation without harming your credit file in any way. So, if your financial circumstances change significantly, Drafty will probably know about it.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Does Drafty affect your credit score?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>When you first apply for the credit line, Drafty runs a search of your credit file. These have a small (and usually short-lived) negative impact on your credit score.<\/p><p>If you go on to borrow money using your credit line and make at least the minimum monthly payments on time, your credit score should benefit, as you\u2019re demonstrating that you use credit responsibly.<\/p><\/div><\/div><\/div><h3>Customer support information<\/h3><p>You can contact Drafty by email at info@drafty.co.uk with any queries or by phone on 0203 808 4440 (Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.)<\/p><div data-category=\"\" data-niche=\"UKFSL\" data-fieldset=\"modifyloan\" class=\"UKFSL modifyloan \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Option to change repayment date<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Repay early at any point<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Repaying early can reduce overall interest<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Phone number<\/th><td class=\"i_infobox_data product_infobox_data\">0203 808 4440 (Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary.)<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"verdict\">Is Drafty any good?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you\u2019ve used payday loans in the past and think you might again in the future, Drafty is likely to be a significantly cheaper option.<\/p><p>While a fixed-term loan can be easier to budget for, <a href=\"#alternatives\" class=\"scroll\">products like Drafty\u2019s<\/a> innovative credit line offer the flexibility to borrow as much or as little as you need, as and when you need it. So it\u2019s quick and convenient.<\/p><p>Provided you have the good self-discipline to only use the facility occasionally, for unexpected and unavoidable costs, and don\u2019t let the debt drag on, it\u2019s a smart way to borrow.<\/p><p>It\u2019s not the only alternative to a payday loan \u2013 you may wish to consider a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">credit-builder credit card<\/a>, an authorised overdraft, or any of the <a href=\"https:\/\/www.moneyhelper.org.uk\" target=\"_blank\" rel=\"noopener noreferrer\">options outlined by the government\u2019s MoneyHelper<\/a>.<\/p><\/div><\/div><\/div><\/div><h3 id=\"alternatives\">Online lenders like Drafty<\/h3><style>.ukfsl td { vertical-align: middle; } .comparisonsubject { background-color: #b9defe; font-weight: bold; } .comparesubject { background-color: #f4f5f6; font-weight: bold; }<\/style>\r\n<div class=\"simpletable has-margin-bottom-large\">\r\n<table class=\"luna-table luna-table--responsiveList ukfsl\"><thead class=\"luna-table__header\"><tr><th scope=\"col\"><\/th><th scope=\"col\">Name<\/th><th scope=\"col\">Established<\/th><th scope=\"col\">Loan types<\/th><th scope=\"col\" class=\"u-1\/5@s\"><\/th><\/tr><\/thead>\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<tr class=\"comparisonsubject\">\r\n<td><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/drafty-line-of-credit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.UKFSL_LIKE_PREPEND%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22130392%22%2C%22post_path%22%3A%22payday-loans%252Fdrafty%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\"><img decoding=\"async\" alt=\"Drafty Line of Credit\" src=\"https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png\" width=\"104\" height=\"64\" class=\"alignnone size-full lazyloaded\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png?fit=312 312w\" sizes=\"(max-width: 312px) 100vw, 312px\" loading=\"lazy\"><\/a><\/td>\r\n<td>Drafty Line of Credit<\/td>\r\n<td>2015<\/td>\r\n<td>Line of credit<\/td>\r\n<td><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/drafty-line-of-credit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.UKFSL_LIKE_PREPEND%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22130392%22%2C%22post_path%22%3A%22payday-loans%252Fdrafty%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\" class=\"luna-button luna-button--success luna-button--fluid\">Go to site<\/a><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<tr>\r\n<td><img decoding=\"async\" alt=\"Fund Ourselves (Welendus) Short Term Loan\" src=\"https:\/\/www.finder.com\/niche-builder\/60c31c334e079.png\" width=\"104\" height=\"64\" class=\"alignnone size-full lazyloaded\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60c31c334e079.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60c31c334e079.png?fit=312 312w\" sizes=\"(max-width: 312px) 100vw, 312px\" loading=\"lazy\"><\/td>\r\n<td>Fund Ourselves<\/td>\r\n<td>2016<\/td>\r\n<td>Peer-to-peer instalment loans<\/td>\r\n<td><a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/fund-ourselves\" class=\"luna-button luna-button--success luna-button--fluid\">More info<\/a><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<td><img decoding=\"async\" alt=\"Creditspring Membership\" src=\"https:\/\/www.finder.com\/niche-builder\/5d9f5895cbd7e.png\" width=\"104\" height=\"64\" class=\"alignnone size-full lazyloaded\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5d9f5895cbd7e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5d9f5895cbd7e.png?fit=312 312w\" sizes=\"(max-width: 312px) 100vw, 312px\" loading=\"lazy\"><\/td>\r\n<td>Creditspring<\/td>\r\n<td>2018<\/td>\r\n<td>Instalment loans through a membership scheme<\/td>\r\n<td><a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/creditspring\" class=\"luna-button luna-button--success luna-button--fluid\">More info<\/a><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<td><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/lendingstream-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.UKFSL_LIKE_PREPEND%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22130392%22%2C%22post_path%22%3A%22payday-loans%252Fdrafty%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\"><img decoding=\"async\" alt=\"Lending Stream Instalment Loan\" src=\"https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png\" width=\"104\" height=\"64\" class=\"alignnone size-full lazyloaded\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png?fit=312 312w\" sizes=\"(max-width: 312px) 100vw, 312px\" loading=\"lazy\"><\/a><\/td>\r\n<td>Lending Stream<\/td>\r\n<td>2008<\/td>\r\n<td>Instalment loans<\/td>\r\n<td><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/lendingstream-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.UKFSL_LIKE_PREPEND%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22130392%22%2C%22post_path%22%3A%22payday-loans%252Fdrafty%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\" class=\"luna-button luna-button--success luna-button--fluid\">Go to site<\/a><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n\r\n\r\n<tr>\r\n<td><img decoding=\"async\" alt=\"Polar Credit Credit Line\" src=\"https:\/\/www.finder.com\/niche-builder\/615c10b19d3e9.png\" width=\"104\" height=\"64\" class=\"alignnone size-full lazyloaded\" srcset=\"https:\/\/www.finder.com\/niche-builder\/615c10b19d3e9.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/615c10b19d3e9.png?fit=312 312w\" sizes=\"(max-width: 312px) 100vw, 312px\" loading=\"lazy\"><\/td>\r\n<td>Polar Credit<\/td>\r\n<td>2019<\/td>\r\n<td>Line of credit<\/td>\r\n<td><a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/polar-credit\" class=\"luna-button luna-button--success luna-button--fluid\">More info<\/a><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<td><img decoding=\"async\" alt=\"SteadyPay\" src=\"https:\/\/www.finder.com\/niche-builder\/5f04ba3a4d1f8.png\" width=\"104\" height=\"64\" class=\"alignnone size-full lazyloaded\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f04ba3a4d1f8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f04ba3a4d1f8.png?fit=312 312w\" sizes=\"(max-width: 312px) 100vw, 312px\" loading=\"lazy\"><\/td>\r\n<td>SteadyPay<\/td>\r\n<td>2017<\/td>\r\n<td>Instalment loans through a membership scheme<\/td>\r\n<td><a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/steadypay\" class=\"luna-button luna-button--success luna-button--fluid\">More info<\/a><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div><h3>Other frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What is a line of credit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A line of credit is an ongoing credit facility with agreed limits. Unlike a loan that\u2019s issued as a lump sum and paid off over a fixed period, a line of credit can be accessed whenever you need it, and you can borrow as much or as little as you like (subject to an agreed maximum).<\/p><p>You then choose how much you want to repay each month (subject to a minimum amount), until the debt is cleared. And within your credit limit, you can borrow more at any time. Unless you close your account, the facility is always there and available for you to dip into.<\/p><p>More traditional examples of lines of credit include credit cards and authorised overdrafts.<\/p><p>One of the main advantages of a line of credit is the flexibility \u2013 you only borrow what you need, when you need it, and you can pay it back over a timeframe that suits you and can adapt to your changing circumstances. The flexibility of a line of credit is also one of its main disadvantages, however \u2013 presenting the risk that you might borrow when you otherwise wouldn\u2019t have or let debt drag on and on.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What\u2019s the difference between a credit line and a loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Unlike a loan, a credit line is a flexible way to borrow money. It allows you to borrow amounts of your choosing as many times as you like, up to your approved amount. The initial minimum withdrawal is \u00a350, after which the minimum for withdrawals becomes \u00a3100. You pay interest only on the amount you borrow.<\/p><p>As long as your account is in good standing, you won\u2019t need to reapply when you need additional funds. Simply log into your account and request a transfer of funds into your bank account. It\u2019s there when you need it, but you don\u2019t have to use it. There is monthly repayment, which you must be sure you can comfortably make. You also have the option of making larger payments or repaying early, which saves you money overall.<\/p><p>A loan is a fixed amount that you borrow with a fixed payment schedule over a certain time. While it doesn\u2019t offer the same flexibility as a credit line, it can be easier to budget for and to understand how much you are paying back in total. When you take out a loan, you receive the cash in a lump sum. If you require additional cash in the future, you must go through the application process again and will be subject to a new credit check.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What will my credit limit be?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The first time you apply for a Drafty credit line, you can request a credit limit of any amount between \u00a350 and \u00a33,000. Drafty performs a fast, personalised review of your financial situation (not just your credit score) and provides you with a fast decision. This includes letting you know the full amount you are eligible to receive.<\/p><p>Periodically, Drafty reviews your credit limit. If your account is found to be in good standing and you meet the affordability requirements, Drafty may offer to increase your credit line to \u00a35,000, with 30 days\u2019 notice for you to accept the increase (if you don\u2019t accept it, your limit won\u2019t be changed).<\/p><p>You can also ask Drafty to reduce your limit if you\u2019d rather not have the temptation to borrow.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How do I access cash from my credit line when I need it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you have available cash in your credit line, simply log in to your Drafty online account or open the app on your smartphone to request funds. You have 24\/7 access to your account so you can check your balance and draw additional funds from your credit line at any time. Drafty says it aims to send the cash from your credit line to your bank within 90 seconds. Remember to only draw amounts that you can comfortably afford to repay.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Get access to a pot of cash from \u00a350 to \u00a33,000 to use as and when you need it with a Drafty credit line. See how other lenders compare. <\/p>\n","protected":false},"author":195,"featured_media":130533,"parent":74537,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-masthead-two-column.php","meta":{"footnotes":""},"tags":[],"class_list":["post-130392","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Drafty review 2026 | Caught wind of Drafty? Here&#039;s our expert take<\/title>\n<meta name=\"description\" content=\"Drafty loans are a flexible credit line, giving you access to a pot of cash from \u00a350 to \u00a33,000 as and when you need it. Find out how other lenders compare.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/payday-loans\/drafty\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Drafty loans review 2026\" \/>\n<meta property=\"og:description\" content=\"Drafty loans are a flexible credit line, giving you access to a pot of cash from [nb:value record_type=&quot;PRODUCT&quot; field=&quot;DESCRIPTIONS.MIN_AMOUNT&quot; decorator=&quot;GLOBAL.VALUE.MONEY&quot;] to [nb:value record_type=&quot;PRODUCT&quot; field=&quot;DESCRIPTIONS.MAX_AMOUNT&quot; decorator=&quot;GLOBAL.VALUE.MONEY&quot;] as and when you need it. 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