Lending Stream -
your alternative to payday loans

Need a payday loan?

How about 6 months to repay, instead of paying it all back in one go? You may find it's easier on your budget than a payday loan and you'll get the cash as fast as most payday lenders manage.

Money streamed to your bank in under 60 seconds.

If you're applying for a short-term loan with us, we know you need cash fast. That's why, in most cases, once agreed, we can send cash to your bank within 60 seconds.

Bad credit holding you back?

Having short-term financial problems doesn't always mean you're bad with finances. We understand this. So we'll look at more than just your credit history when considering your ability to repay.

Lending Stream reviews

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Representative 1325% APR

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

Responsible Lending: Carefully consider whether a loan is right for your individual financial situation. Borrowing of this type is an expensive form of credit that may be appropriate for short term financial needs but which is not appropriate for longer term borrowing or if you are in financial difficulty. All loan applications are subject to status checks, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.

Better than
payday loans?

Lending Stream loans are a six-month alternative to "payday loans". They're fast (we'll send the money to your bank in under 60 seconds) with spread out monthly repayments. Want to pay off early? That's fine - there's no charge and you'll pay less interest!

Streaming loans for bad credit?

You might be able to repay a loan but have bad credit because of recent difficulties. We understand that this can happen sometimes, so when we look at your application, we look at all your information to make it's affordable, not just your credit history. Because you're more than just a number.

Download our free app

Download our free app and keep in control of your streaming loan any time you want. Just log in and you can see the status of your loan, how much you have left to repay, and you can make payments straight away. You can apply on it as well.

Don't just take our word for it...

Have you checked out our reviews? There are a lot of four and five star ratings in there. That's because we focus on customers like you, so we developed a smooth, responsive application process and concentrate on customer service.

The Stream blog

Got a few minutes spare? Check out our blog, where we publish customer research, money saving tips and features that you might find interesting.

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 1325%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £33.60 followed by £96.00, £75.84, £66.88, £62.40 and £48.96 the following months. You will repay £383.68 in total, there are no additional fees.