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About Lending Stream

Lending Stream is offering short-term solutions for your financial needs

Lending Stream has been providing short-term loans since 2008. We are members of BCCA and follow their codes of practice. Lending Stream runs an affordability analysis on all applications to evaluate whether you should be able to repay the loan in a sustainable manner.

We were founded by some of the same people who developed the fraud detection system protecting transactions on over 2.5 billion credit cards worldwide. So, it is no surprise that our team is comprised of some of the most brilliant data scientists, engineers, and business analysts in the world.

Lending Stream is driven to use the power of advanced analytics to help people who deserve credit, get credit. And, by creating innovative credit products, our goal is to respectfully and responsibly change the way people do business with the underbanked.

We want the power of our technology to be used for something meaningful and positive. Our vision has evolved to include a clear focus on building solutions that help consumers, merchants and lenders all share in the tremendous value that analytics can create.

Credentials and Certifications

Lending Stream LLC
Company Registration No. 4124111
Authorized and Regulated by the Financial Conduct Authority.
Registration Number 689378.
Authorisation can be checked on the Financial Services Register at

Data Protection Registration No. Z2752028
Registered under the laws of Delaware, USA
Registered address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA
Lender Details: Lending Stream LLC, Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX

Upon Approval

At Lending Stream, you will get:

Fund Transfer

Fund transfer initiated
within 4 minutes*

24/7 Deposits

Even on bank holidays

Simple Payments

Automatically withdrawn
from your bank

We don't offer loans under 60 days. Early prepayment options that are available are not associated with any fees or cost. Maximum APR of 1698.1%. Given a Representative APR is 1272%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £46.40 followed by £88.00, £78.40, £69.76, £59.84 and £49.28 the following months. You will repay £391.68 in total, there are no additional fees.