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 in minutes*

If you're applying for a short-term loan with us, we know you need cash fast. That's why, in most cases, we stream the cash to your account within minutes of being approved.

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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Ready to start streaming?

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 in minutes) with spread out monthly repayments. Want to pay off early? That's fine - there's no charge and you'll pay less interest!

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.