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Our Short-Term Loan Process

Personalised Review

Personalised Review

We know our customers are more than just a number. Our affordability analysis allows us to consider many factors, in addition to your credit score, when making an instant loan decision.

Money Transfer In Minutes

Money Transfer In Minutes

If you’re applying for a short–term loan with us, we know you need cash fast. That’s why we initiate the transfer process of the money to your bank account within 15 minutes* of being approved.

6 Months To Pay

6 Months To Pay

As a payday loan alternative, we make sure you’re set up with affordable repayments. That’s why we give you 6 months to pay us back.

Lending Stream Reviews

4.8/5 Stars  
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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.

An Alternative
To Payday Loans

If you need a short-term loan, you might start by looking up the mainstream "payday loans" providers. At Lending Stream, we think a little differently. We provide short-term loans over six months with no fee for paying early.

More than Just
A Number

We know that people have different stories. Some customers who require short-terms loans have bad credit history or poor credit scores, while others may need to repay over a longer period. Our personalised review looks at your credit rating and many other factors in addition because we know you're more than just a number.

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About Lending

Applying for a flexible, unsecured short-term loan from Lending Stream is very straightforward. We want our customers to get exactly what they need from our loans and pay us back with the minimum of fuss. We offer a fast, simple lending service and are a strong alternative to traditional payday loans. Plus, we make instant loan decisions, and initiate the fund transfer process within 15 minutes* of approval.

Better Than Just
A "Pay Day Loan"

We want our customers to get a short-term loan service that's responsive and easy to use. Our customer service consistently gets great ratings and we've even developed our own app to allow people to make quick and instant loans payments at the touch of a button.

Stepping Stones Blog

At Lending Stream we want to do more than just issue loans, our blog is full of tips and inspiration to help you on a path to financial success.

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.