Rating based on 44 reviews

Drafty Loans


  • 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 September 8, 2021]

About Drafty

Drafty is a young, new company with a fresh approach and a unique perspective on finance.

We supply a mean of finance that breaks the norm and puts you first, in a much better position to clearly move forward with any financial decisions you need to make.

Working smarter, not harder

Why do things the way you’re told they have to be done when you can do things better, faster and safer? Needing a little credit boost every now and then is no big deal, trust us – we know. And, so do the discerning clientele that uses our service.

Why do things the old way?

Taking out a payday loan can be uncomfortable, difficult and sometimes detrimental to your credit score in the end, given that pitfalls can arise and we can miss payments. Overdrafts are even worse in our opinion, leading to your salary being short at the end of the month, making it difficult to budget in difficult times, be it financially or personally. But what else can you do? What other option do you have in times of dire need or crisis?

Drafty Services

Many of the UK’s citizens are turning to Drafty and companies similar to us so that they can get the incredible service we provide, that their more traditional bank does not.

We have a quick and easy, safer and secure solution to any quick finance problems you may need to solve, without opening a request for a messy payday loan. But, but now, you’re probably wondering what exactly Drafty is. Well, let us explain:

Drafty is a line of credit

That’s it! What we do is save you the hassle of extensive paperwork, intrusive credit recons, abrasive questioning and difficult monthly repayments by helping you avoid taking out that payday loan altogether. We off you a line of credit, simple as that. We don’t even charge you for using our service- you don’t want fees, we don’t want to charge you unnecessarily – so we don’t.

But how does this all work, you ask?

It’s quite simple really! We extend this line of credit to you, which you don’t pay for being subscribed to if you don’t use it. We just see that as an unnecessary cost. If you do choose to use our credit, you’ll be charged a small percentage of your credit use, which is a grand total of 0.18%.

Drafty – Payday loan

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

Benefits of Drafty

  • A transparent service with no hidden fees
  • Quick online decisions
  • Flexible repayment options

Payday loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Drafty – Let us draft up your finance today

No hidden costs and unforeseeable nonsense that usually comes with taking out short term loans.

Just a simple line of credit to get you through the month. This makes our service much cheaper than a payday loan, with our exceptionally flexible payment plans, means you save in the end. A lot.

What Drafty has on offer

We offer fast transfer, quick and easy access and smooth, streamlined application service. Once you’re all set up, it’s quick and easy to have finance available in a flash. Whether you need £50 or £3000, we can help you out. Larger amounts can be made arrangements for should the client see it necessary. If you don’t make use of the available credit, you don’t need to pay for it, like a lot of financial institutions would have you do. Well, not us.

Still not convinced?

Most short-term loans will cost you plenty, with APR percentages in the thousands. We offer our “short-term finance” at an APR of 89.7%, with a maximum of 91.2% representatively. Now that’s a low cost! Not bad considering that’s the only fee we charge. Another important factor to note is that we are always available should you have any queries or concern. We are always there for you, and prove that with our 24/7 availability for whenever you may be in need.

What about applications?

Even if you just want to see if you’re eligible for our service, the application won’t hurt your credit score. On top of that, our unique blend of fresh ideas and customer concern has led Drafty to be able to help you improve your weak credit score, should you have a bad credit rating, and genuinely help your financial future look a little brighter. It’s tough to stay afloat in modern times, be it with work, your personal life or you’re financial well-being. Let us worry about the latter, and let Drafty help you to reach a more secure, viable financial future.

man holding thumbs up

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

October 2019

Drafty is a really good service, I’ll definitely stick to using them instead of my old bank. Money in minutes, and it doesn’t cost me an arm and a leg!

Bernand W
— Manchester —

August 2019

If I need money in a pinch, Drafty always has what I need – and fast. Great lender, I couldn’t be happier with another.

Tina M
— Birmingham —

Drafty Contact

Contact Number


  • not available


Physical Address

  • Wisteria Grange Barn, Pike's End, Pinner London HA5 2EX United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:00 – 20:00
  • Sunday 08:00 – 20:00