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A substitute for payday loans

For those of you who appreciate extra time to pay back your loan, we have the ideal solution. A unique product for unique needs - a short-term instalment loan. Our product gives you more time than payday loans typically do. You get up to six months to repay as part of your contract, and you still get the advantages of instant decisions, quick funds and online convenience. The interest rates (per month) are at par with payday loans that you've known, but lower monthly repayments make it easier for you to manage your budget.

While giving you a longer duration to pay back, we also make repaying flexible for you. You may choose to close your loan early to save on interest charges, as we calculate interest only on the outstanding principal balance tillthe date of loan closure. For example, if you choose to close your loan within 2 months, the interest will be calculated only till the second month. You'd find this flexibility helpful when you have a leaner budget on a particular month or when the loan amounts are £300 or more.

Further Reading

Loans in 30 minutes
Loans in 30 minutesFor a nominal transfer fee of £15, you can get loans within
30 minutes after final approval and your signature.
Instant loans in 15 minutes
15 Minute ProcessIt takes no more than
15 minutes for the entire loan process. We work on weekdays between 9 am and 7 pm.
How it works
Secure loan transactions
Secure ServiceSecure Loans Online
Loans with No Hidden fees
No Hidden FeesWe will honestly tell you the cost of your loan before you apply. We assure you that there are no hidden fees. Know more

Loans designed to make repayments more flexible

We understand that making a lump sum repayment within 30 days of taking out a loan can put a strain on your finances. So, we give you two options.

Smaller Instalments
Take advantage of the longer duration (up to 6 months) that is contractually set up so you can pay back in manageable parts every month.

Flexible loan repayment options

Repay Early and Save
Close/prepay your loan anytime if you wish to cut down on interest charges, which then will be calculated only on the outstanding principal amount till that date. All it requires is a phone call to us.

Product Overview

Lending Stream loans help you split the repayment amounts into parts that can be repaid over 4, 5 or 6 months. These short term instalment loans are not associated with any roll-over charges as they are basically designed to be repaid over a longer time period Product Features

  • 1. Can be repaid over longer time periods unlike one month loans
  • 2. No burden on monthly budgets
  • 3. Funds transfers within 30 minutes of finalization (£15 transfer fee)
  • 4. No roll-over charges
  • Data protected loan process
  • Consumer credit trade association in the UK
  • Verisign secured loan process

Lending Stream LLC
Contact Address: Lending Stream, Wisteria Cavendish House, 369 Burnt Oak Broadway, Edgware, Middlesex, HA8 5AW, UK
Registered Address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA.| Registered in the State of Delaware,USA | Registration Number: 4124111, Consumer Credit Licence: 0643942

info@lendingstream.co.uk | Copyright © Lending Stream

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FAQ
how it works

How it works

  • Step1

    Fill out the 3-minute application form. Your information will be treated in accordance with the Data Protection Act.

  • Step2

    If approved (you will receive a decision within seconds), confirm a few personal details and choose fund transfer option.

  • Step3

    Sign electronic Agreement and provide us with your debit card details in order for us to arrange for the fund transfer and set up your repayment.

  • Step4

    Once your loan is finalised, we will initiate the transfer of money to your account. Depending on the mode of transfer you chose, the funds may arrive on the same day or within 2-3 working days.

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Most frequently asked questions

  • How much can I borrow?

    If you are a first time customer, you can borrow from £50 to £600. We use our sophisticated Credit Assessment system to determine the amount you are eligible for.

  • Can I get another loan before I have paid off this one?

    Based on your good repayment history with us, we may choose to approve you for an additional loan. To know more, please contact us on 0844 251 0530** or email us at info@lendingstream.co.uk

  • If I am a returning customer, what privileges do I get?

    As a returning customer, you will be eligible for loan amounts up to £1000 although this is kept under review. We tend to keep increasing this amount and from time to time, we also run special competitions and offer exclusive discounts to our old/existing customers. Sign up to receive updates on these offers.

  • How do you debit the repayment amount?

    We debit the agreed repayment amount on the due dates through direct debit (debited on your card).

  • Can I repay early?

    Yes, you can repay anytime you want/close your loan early.

  • What happens if I am unable to make my payments on time?

    If you are facing difficulties in making payments on time, it is important that you immediately get in touch with us. We will be able to discuss payment alternatives with you.

  • What happens if I am unable to pay back the loan?

    Failure to repay the loan will affect your credit score and may lead to potential legal issues. If you are unable to pay back, please get in touch with us immediately and we will help you find a repayment solution.

  • If I repay on time, will it help my credit score?

    It may help your chances of getting credit in future as we pass on data to credit bureaus, so the other lenders can see you have repaid on time.

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