We're Here To Help

Every year, thousands of people miss out on government benefits and grants they're entitled to. It's more common than you might think.

Afforda helps you find the support that might be rightfully yours. We'll check what you qualify for and guide you through benefits, grants, and support options that fit your situation.

We can also search for a credit option if you need it – giving you choice over your finances.

Using Afforda is free. First, you answer a few questions about your situation.

We use this information to:

• Check if you qualify to apply for government benefits or grants

We can also connect you with other options. From benefits to exclusive discounts and credit options, we guide you toward the support that's most useful for your situation.

Afforda gives guidance and information only. Any benefit or credit decision is made by the government body or the lender.

Afforda is a trading name of GAIN Credit LLC.

GAIN Credit LLC is a limited company registered in Delaware, USA.

Company number: 4124111.

Registered address:
251 Little Falls Drive, Wilmington, DE 19808, USA.

GAIN Credit LLC, trading as Afforda, is a credit broker, not a lender.

We work with a panel of finance providers.

GAIN Credit LLC is authorised and regulated by the Financial Conduct Authority (FCA).

FCA registration number: 689378.

No, you cannot access government benefits through Afforda. We help you find official support and understand what you may be eligible for.

To apply for benefits online, visit:

GOV.UK – Check benefits and financial support you can get

No. Using Afforda is 100% free to use.

Keeping your personal information safe is important to us.

We only keep your data for as long as needed. Plus, we take steps to protect it from loss or misuse.

For more details, please read our Privacy Policy.

After you've checked what benefits you might be entitled to, you may want to explore credit options too.

Fill in our short application form.

We'll then share your details with our panel of lenders. They'll check if you're eligible for credit that suits your needs.

Afforda works with payday lenders, short-term loan companies, credit line firms and others to try and get you the credit you need.

You're under no obligation – we just help you see what's available to you.

If you qualify for credit, we will send you to the lender's website. You will then be able to complete your application with the lender. If approved, the lender pays the money into your bank account. Payment times may vary.

You can apply for credit between £100 and £5,000. The amount offered depends on your finances, credit history, and the lender's checks. Only borrow what you can afford to repay.

To apply for credit through Afforda, you must:

• Be over 18 years old.
• Live in the UK.
• Have a UK Bank Account and UK Debit Card.

Each lender has its own lending criteria, including a minimum income

Many lenders offer eligibility checks. These show how likely you are to be accepted. These checks use a soft credit check. This does not affect your credit score.

If you apply for a loan in full, the lender will run a hard credit check. This checks how you have used credit before. A hard check shows on your credit report. It may cause a small, short drop in your score.

Try not to make many loan applications in a short period of time.

Being on benefits does not always stop you from getting credit. Some lenders accept benefit income if you can afford the repayments.

It's important to be realistic about what you can repay.

Yes, you need a UK bank account to apply for credit. Lenders use your account to send the money and take repayments. An active account also helps lenders check your identity.

If you accept a credit offer, the lender will explain how to repay it. How you repay depends on the type of credit. Most lenders take payments from your debit card using Continuous Payment Authority (CPA).

A Continuous Payment Authority (CPA) is an agreement with your lender. It lets the lender take payments from your debit card on agreed dates. The lender manages the payments.

If you are not accepted for credit, there may be several reasons. The lender will not share the exact reason. But you can ask the lender which credit agency they used. The credit agency may be able to give you more details.

Afforda helps you cut your shopping costs by giving you access to discounts at top UK high street stores. You can browse and claim offers without paying any fees or signing up for a paid plan. Simply visit our savings section and follow the steps to view available offers. Once you find a deal you like, click through to activate or redeem it at the partner store.

We're sorry you want to make a complaint. If you're unhappy with our service, we want to hear from you.

To make a complaint, please use our Contact Us page. Download our full complaints handling procedure here.

Complaints reported to the FCA

Firm: GAIN Credit LLC

Brands: Lending Stream, Drafty, and Afforda

Period: July 2025 to December 2025

Afforda

Complaints opened: 0

Complaints closed: 0

Complaints upheld: N/A

All GAIN Credit LLC brands

Complaints opened: 2,336

Complaints closed: 2,570

Complaints upheld: 18.05%