Drafty | Personal Credit
How much does Drafty | Personal Credit cost?
Prices are current as of 9 Oct 2026.
Drafty | Personal Credit has no in-app products on record in the United Kingdom.
10+ alternatives to Drafty | Personal Credit
| Drafty | Personal Credit |   Debenhams credit card |   118 118 Money |   Pockit: Bank Card Alternative |   Bip: Simple cardless credit |   Updraft: Pay Off Card Debt |   Onmo - Credit, Simplified |   SteadyPay - Smart Money Loans |   Newpay |   Elfin Market |   Kravings - Personal Loans | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.8 | 4.7 | 4.7 | 4.2 | 4.8 | 4.5 | 4.8 | 4.6 | 4.8 | 3.4 | 2.7 |
| Reviews | 2.6K | 64K | 23K | 17K | 7.1K | 3.3K | 3.2K | 2K | 1K | 71 | 12 |
| Released | 2016 | 2018 | 2022 | 2015 | 2021 | 2020 | 2025 | 2018 | 2021 | 2020 | 2025 |
Drafty | Personal Credit reviews
4.8 out of 5, based on 2,640 reviews.
What people like
- Money arrives in your account very fast
- Simple and easy to use interface
- Clear terms with no hidden costs
What they complain about
- Suspend accounts without any warning
- Customer service is slow and unhelpful
- App often fails to open or work
- Extremely high interest rates on loans
Great app very good
Very straight forward to use, very cheap prices, never had an issue,
Doesn’t work at all
Just updated to version 3.47 and the app still refuses to open.
Stop
Stop taking my money, you reduce my credit line then keep taking my money, you won’t get a penny more from me , going to bank to cancel payments for good
Needs better authentication
Can appreciate the need to login each time, but would like to see credentials stored behind Face ID or Touch ID. 2FA would also be appreciated, too.
Saving angels
Helped me when I needed most. Thank you😊
Please avoid using Drafty
Please don’t use Drafty, they will suspend your account after a few months for no reason and then you have to repay the credit line in full. The interest rate is extremely high and I would agree with other reviews about them being glorified loan sharks. It’s not a professional service that you would get from other lenders and do they not comply with FCA rules. Avoid at all costs and heed the warning of countless negative reviews on here, I wish I had.
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.
Fab company
So easy to use far better than payday loans would recommend
Avoid!!!
I took out £1300 and they took the monthly payment of £133 but only £82 went back into my account which is fine so I decide to pay an extra £10 as you need a minimum to withdraw but the £10 didn’t go through they were happy to take my money though emailed them and asked if the money would go through only to have my account suspended for 24 hours because of “to many log in attempts” convenient that
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!!
Good service
Fast and efficient, app controlled, as easy as it gets :)
Useless
Woke up 3am to find account suspended obviously a worry until realised it was just default card has expired. Unfortunately the utterly useless app doesn’t let you select the new debit card details which the last payment was taken from as the new default- utterly incompetent app, as far as I’m concerned account can remain suspended intended to clear balance within next couple of months anyway and will then have nothing else to do with these idiots They charge insane interest the least they could do is develop an app that works
Five Star
Great lender. Couldn’t recommend enough
APR IS A JOKE
signed up online went through the forms came back at 96.2% APR! Yeah right see you later robbing buggers
Mr Michael McGrath
Best credit ever
App rubbish
I’m locked out been so for age’s cannot change password nor will it allow to keeps locking me out
Forget payday loans, go for Drafty pleaseee
I just love Drafty, simply the best, super fast, cheap, limit increases and no headaches 👍🏼
Too bad
My account was suspended without notice after paying back 50 percent of the money I use that’s not a good one
Life saver
Easy to use x and so helpful x
It’s not so sweet as it look on advert
Terrible experience.
Nas
You are fantastic thank you
Loan Sharks
After I’ve paid off this loan I’ll never use Drafty’s again, there are little more than loan sharks with the violence. There rates are the highest I’ve come across and would take three times as long to pay off compared to other companies or banks.
Easy to use app!!
Brilliant company no hidden costs or terms app is so easy to use can’t rate the app or company enough
Absolute joke
Absolute joke of an app. Might as well spin your money, you'll have more luck on that
Drafty | Personal Credit FAQ
- Is Drafty | Personal Credit free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does Drafty | Personal Credit have a free trial?
- No. None of its offers (GB) come with a free trial.
- What are the best alternatives to Drafty | Personal Credit?
- Debenhams credit card (4.7 from 63,823 reviews), 118 118 Money (4.7 from 22,904 reviews) and Pockit: Bank Card Alternative (4.2 from 17,292 reviews).
Drafty | Personal Credit download
Last updated 2 months ago.
Drafty | Personal Credit sells in 1 country. It was released 10 years and 2 months ago, on 21 Jul 2016. It holds a 4.8 rating from 2,640 reviews.
Supports 1 language: English.
How much does Drafty | Personal Credit make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.