Drafty Reviews

4.7 Rating 775 Reviews

94 %

of reviewers recommend Drafty

Company Reviews

Metrics

Info

4.7

Based on 775 reviews

Customer Service
Communication Channels	Email, Telephone
Queries Resolved In	Under An Hour

About Drafty:

Drafty is a flexible, easy-to-use alternative to loans, overdrafts and credit cards. Our line of credit offers a fresh perspective, helping you boost your finances while staying in control.

Representative 96.2% APR (variable).

We believe there is more to someone than just their credit score, meaning you can apply even if you have bad credit. If your application is approved, we’ll set a credit limit and you can withdraw up to that amount.

What makes a Drafty line of credit different? Well, you can reuse your credit line as much as you like without having to reapply each time. What’s more, you can repay a little extra anytime and you’ll save on interest – how good is that?

We’re fully regulated by the Financial Conduct Authority (FCA) and never offer our credit line to people if we think it will only make their financial situation worse.

Visit Website

Phone:

0203 695 8072

Email:

info@drafty.co.uk

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Anonymous

Anonymous // 01/01/2019

Filter: Helpful None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Can anyone explain to me how drafty works as I'm a little confused, is it effectively like a credit card? I Just don't understand so any help would ha great. Regards Simon”

Helpful Report

Posted 8 years ago

“Got credit available but when try to draw on it say there any error over and over”

Helpful Report

Posted 8 years ago

“Been humiliated and embarrassed by this company. I was turned down for a line of credit (only needed £100 for a unexpected bill) and my friend was accepted (she has bad credit score) the only difference in the application was I work for the NHS and she works for a bank. They clearly discriminate against NHS staff. Avoid if you work for the NHS they will humiliate you”

Helpful Report

Posted 3 years ago

“Absolutely horrible company. They pray on people in need. Avoid at all costs and if you have been one of the unfortunate to take a loan out with this mob and can’t afford the disgustingly high apr go to the ombudsman and complain about them. When you ask for help they again take advantage of people who are struggling. Scum”

Helpful Report

Posted 3 years ago

“Constant reduction in credit limit makes it almost impossible to use. Waste of time.”

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Posted 3 years ago

“My account was suspended for no reason. When I phoned them they said it was system driven decision. I have available funds and haven't missed any payments. Not very impressed”

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Posted 8 years ago

“Very quick and easy to apply although I've not had any funds yet it's only been a couple minutes. Accepted me when other wouldn't. However I don't like the fact that you have to draw at least £50 straight away”

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Posted 8 years ago

“My good people avoid this company at all cost I have taken out £1000 loan with them biggest mistake of my life this company is run by thugs such high interest I'm paying more than £100 a month but still owe £800 even after about five months absolutely disgusting service they should be banned”

Helpful Report

Posted 11 months ago

“Was fantastic at first. Good service and money was available quickly. I had the account for over a year and each month paid what was required. Then they decided that I was in financial difficulty and suspended my account and increased my repayments by over 100%. They never spoke to me and it seemed a weird move if you considered me in financial difficulties to increase payments by so much. I went to the Financial Ombudsman and they upheld my complaint against then.”

Helpful Report

Posted 2 years ago

“Simple application. Can't believe how quick the money went in to my account. The speediest money lending service I have ever used. The application was filled in, and the money in my account, by the time I had smoked a cigarette. My application was made through Clearscore.”

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Posted 3 years ago

“Very easy to apply, straight forward application process”

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Posted 3 years ago

“Bullys Never again”

Helpful Report

Posted 4 years ago

“Nice and easy to get money but if you pay the minimum monthly you’ll never clear your balance, BE CAREFUL OF THIS”

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Posted 4 years ago

“I have used this service many times, and eventually been contacted them saying my account has been suspended due to not paying back much of my account, when I did eventually pay them off in full I still got numerous emails regarding outstanding balance which was zero, I contacted them numerous times regarding this and still got numerous emails, I then replied to them saying if this is not resolved I will them report them to the ombudsman, then I I got a reply saying. Hello David, Thank you for your patience. When we set up Drafty accounts, we keep a close eye on things to make sure that we continue to make appropriate lending decisions. I’m sorry to tell you that based on the information we have looked at recently, we won’t be able to let you make any further draws on your Drafty account number 3736774. If you need any more help or information, the best way to talk to us is through our online chat service which you can get via our website. You can visit the ‘Contact Us’ section of our website at www.drafty.co.uk and send us a secure message. Regards, Drafty Customer Service Absolutely disgusting service Please don’t use them”

Helpful Report

Posted 4 years ago

“Too expensive !”

Helpful Report

Posted 4 years ago

“Had a drafty account for a few years now as it was easier than an overdraft. Had £2000 available and then suddenly my account was suspended. Apparently due to a periodical review. After contacting them because having a suspended account actually prevents you from making payments also, I was told it would be reviewed after 5-7 working days. No such luck. Rang them again and was told it was escalated and could I wait 48 hours. 72 hours later having heard nothing I rang back. Demanded to speak to a manager. After being told there was no manager available I eventually did speak to one who escalated it and raised a complaint. Was asked to wait 48 hours. 1 full week later I rang and they said please wait another 48 working hours. This has now been 3 full weeks since I had it initially escalated for investigation. Absolute jokers of a company. Avoid!”

Helpful Report

Posted 5 years ago

“Very fast at paying out money when they make interest but when they owe out a tiny refund they take months. Currently 7 weeks with daily chaser phones calls+emails being ignored (Abhishek Bhasin was meant to be calling me urgently or emailing since last Thursday but hasn't bothered). Team leaders managers do not take escalated calls and if they do, they do not take ownership and everything will be actioned "within the next 24-36hrs", I've been quoted this everyday for the last week or so. Substandard service and plenty of companies who look after their customers properly.”

Helpful Report

Posted 5 years ago

“took a 400 pound line of credit, paid it back in full 18 days later and they froze my account. guess they want people who pay the minimum each month and make them more money rather than somebody who pays off the loan. this just confirms that they are looking to find people struggling and profit from them”

Helpful Report

Posted 6 years ago

“FRAUDLENT COMPANY STAY AWAY!!!!!!!!!! SOMEONE CREATED A FAKE ACCOUNT UNDER MY NAME AND I HAVE TRIED FOR TWO MONTHS TO CONTACT THEM. I GOT THROUGH ONCE AND THEY SAID THEY WOULD GIVE ME NO DETAILS OF MY ACCOUNT AND SAID 'SOMEONE WOULD CALL ME' AND THEY NEVER DID!!!!!!!!!! NOW I HAVE BEEN SENT A DEFAULT NOTICE!!!!!!!!!!!!!!! DO NOT TRUST THIS COMPANY”

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Posted 6 years ago

“Bad company hard to update account hard to found out about increase limit after 2year customer customers services no have clue how you can work with app and app it's bad really just stay oway from this company”

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Posted 7 years ago

Drafty is rated 4.7 based on 775 reviews