About Us

Lending Stream was launched in 2008 with a novel objective of bridging the gap between one-month loans and 'short on convenience' bank loans. We call our path-breaking innovation a 'short-term instalment loan'. Short-term because our loan repayments do not extend beyond 6 months. Instalment because you can repay your loan in easy parts so it's light on your budget. Of course, if you want to payback early and save on interest payments simply call us up and tell us you want to close your loan. We'll sort out the final amount due with you on the spot and send your final paperwork.

We believe every person has budgeting blind spots. Be it an unplanned visit to the Dentist or a Stag Do that you cannot miss. When your pay cheque just won't stretch, we can bridge the gap for you. What's more, it will not cost you an arm and a leg. Just a few pre-planned instalments every month and you're done.

Our short-term instalment loans are fast too!

While tailoring our short-term instalment loan to make repayments easier, we have not compromised on the benefits of convenience and speed that you have come to enjoy with products like payday loans. Our sophisticated proprietary credit scoring system gives you a decision within seconds. Most of our loans are processed and paid out within a couple of hours. In worst case scenarios, you may get the money not later than 30 minutes after finalisation if you opt for our Express Cash transfers (£15 transfer fee).

You can treat it like a payday loan if you want to!

You may choose to pay back your short-term instalment loan earlier than the contractual term. The interest will be calculated only on the outstanding principal amount up until that date. If you do not want to have the loan for more than a month, no problem! Give us a ring and we can set up an early repayment for you.

We are responsible lenders

Our primary objective is to give our customers wiggle room with their monthly budgets so they can pay back the loan comfortably. Our product is also designed in such a way that your repayment term reflects your pay frequency, allowing for easy budgeting. Our instalment plan will cost you no roll-over fees and in most cases a single instalment will not be more than 50% of the borrowed amount. Representative 3043.8% APR.

We also recommend our customers to consider their borrowing decision carefully. The loan repayment may put additional strain on your finances. So, we urge you to not apply for a loan if you feel that you may not be able to make your repayments on time.

Credentials and certifications

Registration No. 4124111
Lending Stream is registered with the Information Commissioner's Office in England. Data Protection Number: Z2752028
Consumer Credit Licence Number: 0643942
We are Go Daddy certified for data encryption and information protection.