Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. You can compare our loans to other short term lenders.

About Lending Stream

Your alternative to Payday Loans

Lending Stream started providing short term loans online in 2008. Since then, we’ve helped thousands of customers find the financial help they need.

We provide an alternative to payday loans, where you get up to 6 months to repay in instalments. You can apply for between £50 to £800 as a new customer, or from £100 to £1500 as a returning customer.

Our belief is that short term credit should be available to cover urgent financial needs. We’re an FCA-authorised and regulated direct lender, with authorisation number 689378. Responsible lending is our biggest priority, and we want to ensure our customers’ experience is great.

When you apply

At Lending Stream, we know our customers are more than just a number. That’s why we go beyond a credit check when considering short term loan applications. We were founded by some of the same people who developed the fraud detection system protecting transactions on more than 2.5 billion credit cards worldwide.

So, we know our stuff when it comes to data science. We use the power of our advanced analytics when making all approval decisions, to ensure we lend responsibly.

Apply now

Representative 1271% APR

Learn more about the cost of your loan, default charges, risks and prepayments.

Responsible Lending: Please think carefully about whether Lending Stream is the right solution for you. Short term loans are an expensive form of borrowing. They could make your finances more difficult in the long-term. This is even more important if you’re in financial difficulty. If we don’t think you can afford a loan, we won’t give you one. We’ll look at your current finances and credit history before we make any lending decisions.

Credentials and Certifications

GAIN Credit LLC (trading as Lending Stream) Company Registration No. 4124111 Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378. Authorisation can be checked on the Financial Services Register at www.fca.org.uk

Data Protection Registration No. Z2752028 Registered under the laws of Delaware, USA Registered address: 251 Little Falls Drive, Wilmington, DE 19808, USA | Lender Details: Lending Stream, Contact Address: PO Box 10756, LEICESTER, LE3 4GX

We don't offer loans under 60 days. We offer 6 or 12 month loans. So, the minimum repayment period is 6 months and the maximum repayment period is 12 months. You can choose to repay early and save on interest without any penalty. Maximum APR 1625%.

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.

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