Short term loans
New customers can borrow from £50 to £800. Existing customers can borrow from £100 to £1500.
Over 900,000 customers
Bad credit considered
1000+ applications approved every month
Representative 1271%APR
Representative Example: Given a Representative APR of 1271%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £96.39. You will repay £578.36 in total.
Lending since 2008
FCA regulated
Applying won’t affect your credit score (unless you actually take out a loan).
Not all applications will be approved for a loan. An offer of credit is subject to status and affordability checks.
Why choose Lending Stream?
Trusted
Rated Excellent on Trustpilot with 25,000+ reviews by customers across the UK.
Direct Lender
Lending Stream is a FCA authorised and regulated direct lender, offering short-term loans without any hidden fees.
No early repayment fees
Repay in 6 monthly instalments. We don’t charge for early repayment.
Fast
Apply online 24/7 with decisions in seconds. If approved, cash is sent to your bank in 90 seconds.*
What our customers are saying
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How Lending Stream works
Choose how much you want to borrow and fill in your personal, employment and banking details. It usually takes 15 minutes or so, but application times may vary.
We’ll run credit and affordability checks and in most cases give you an instant decision.
If approved, we will send the money to your bank in 90 seconds. It may take longer to reach your account depending on your bank’s processes.
What we offer
New customers can borrow from £50 to £800. Existing customers can borrow from £100 to £1500. However, it’s important to borrow only what you need and can comfortably repay within the designated repayment period.
We think people are more than their credit score, which is why we consider people with bad credit too. Before applying for a bad credit loan, do your research and compare the interest rates and terms.
A quick loan is a type of loan that offers fast approval and funding, often within minutes or hours of applying. In most cases, you can get the money the same day. You can apply for a quick loan and find out a decision in seconds.
An alternative to payday loans
Lending Stream loans are a payday loan alternative. Our short term loans range from £50 to £800 for new customers and from £100 to £1500 for existing customers, and if approved, we’ll send the money to your bank. Typically, you need to repay a payday loan on your next payday. Not with us, you can repay your loan in six months.
Can I get a loan with poor credit?
At Lending Stream, we understand that bad credit can happen to anyone. That’s why we consider people with less-than-perfect credit for a loan. Apply for a bad credit loan with us today and get an instant decision.
Your questions answered
Can I pay early?
You have the option to make repayments before they are due. When you sign into your account, you can check how much you still owe. You can then make this payment online. If you pay back the money earlier, you will end up paying less in total because there won’t be as much time for interest to build up. And the best part is, there are no fees for repaying early.
What fees do you charge?
We don’t charge any fees to apply, to run your account or if you repay early. The only fee we will charge is if you don’t repay when you’ve agreed to (and not let us know there is a problem). If you do miss a payment, we will apply a late payment fee to your account. We will never charge you more than £12 in late fees over the lifetime of your loan. More information can be found here. If you want to make sure you’re on top of your loan payments, log in to your account, where you can see your payment schedule.
Can I apply for a loan?
You can apply for a loan if you:
- Have a valid UK Debit card
- Have an active UK bank account
- Live in the UK
- Are over the age of 18
- Should be in regular employment with a monthly income of at least £400
Will my application be approved?
We can’t guarantee approval until we’ve seen and assessed your application. Even if you’ve had a Lending Stream loan before and paid it back, we’ll use the latest information available about you to make our decision.
We do this to make sure we’re always using the most up-to-date information available and to avoid giving you a loan that might be difficult for you to repay.
How we work with Credit Reference Agencies
When you apply for a loan, we’ll conduct a search with Credit Reference Agencies. This will give us information about your current and previous handling of credit. We only leave a footprint (credit search) if you take out the loan.
We check your credit file as part of the application process. However, it’s not the only factor which we use to make our decision. Too many checks with different lenders over a short period of time can affect your credit score, reducing your ability to get credit in the future.
Once you’ve taken a loan, we’ll tell the Credit Reference Agencies about your repayments every month. If you ever want to check information on your credit report, there are a number of services available which you can use free of charge to do so. These include www.CreditKarma.co.uk and www.ClearScore.com.
One of the credit reference agencies we use is TransUnion. You can find more about them and other Credit Reference Agencies here: Credit Score Frequently Asked Questions | TransUnion UK
Get in touch
The best and quickest way to get in touch with us is via live chat.
02038084440#
