About Lending Stream

Your alternative to Payday Loans

Lending Stream started providing short-term loans online in 2008. Since then, we've got better and quicker at streaming loans, helping more people to find the financial help they need.

We provide an alternative to payday loans, where you get six months to repay in instalments. You can apply for up to £800 as a new customer, or up to £1,500 as a returning customer. You can apply either on our website or through our app.

Our belief is that short–term credit can be a good thing, available to help you out when you need it. We also believe that having financial problems in the short term doesn't automatically mean you're bad with credit.

We're part of GAIN Credit LLC, which is a subsidiary of GAIN Credit, Inc. We launched another product in 2015.


Drafty is our sister brand. They're a little younger, with a bit more of a relaxed feel and a different approach to lending – they offer credit lines instead of loans. This means you have a line of credit available to you, which you can use as and when you wish, without having to reapply. If you're interested in finding out more, just go to drafty.co.uk.

Read Our Reviews

Trust pilot logo Trustpilot ratings Read more reviews

Our Customers

As a direct lender, provide loans to people across the UK.
Top Reason for Needing a Loan
Lending Stream Customers Infographics

Accurate as of May 2016.

When you apply

At Lending Stream, we know our customers are more than just a number. That's why we go beyond a credit check when considering short-term loan applications. We were founded by some of the same people who developed the fraud detection system protecting transactions on more than 2.5 billion credit cards worldwide. So – we know our stuff when it comes to data science. We use the power of our advanced analytics when making all approval decisions, to ensure we lend responsibly.

Representative 1325% APR

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.

Credentials and Certifications

GAIN Credit LLC (trading as Lending Stream) Company Registration No. 4124111 Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378. Authorisation can be checked on the Financial Services Register at www.fca.org.uk

Data Protection Registration No. Z2752028 Registered under the laws of Delaware, USA Registered address: 251 Little Falls Drive, Wilmington, DE 19808, USA| Lender Details: Lending Stream, Contact Address: Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX

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.