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About Lending Stream

An Alternative to Payday Loans

Lending Stream is a trusted payday loan alternative, providing short-term loans since 2008. New customers can apply for anywhere from £50 to £800, and returning customers can apply for up to £1500.

Unlike payday loan companies, we offer 6-month loan products, to make sure our customers are set up with affordable repayments. Plus, our flexible plans mean you can pay back early – without any annoying penalties or fees – and modify your repayment schedule if something goes wrong.

We understand that our customers are all individuals with differing backgrounds and requirements. Some may need a same-day loan and some may have bad credit ratings. Our personalised approval checks are designed to be quick, so we can make an instant decision on our unsecured short-term loans.

There's a good reason that 94% of customers recommend us, but don’t just take our word for it.

Read Our Reviews

"No nonsense, short term loans. What you see is what you get. All managed superbly."

- Kevin, 5/3/16

"Lending Stream is fab, very quick and easy no messing around and helpful easy payable instalments to pay back."

- Lynne, 25/3/16

"Great service as always from a very good and very understanding company. Helped me out yet again when things have been a little tight without getting me in any financial bother. I would recommend Lending Stream as one of the best. Thanks again."

- David, 6/3/16

"Love the longer term repayments. I always pay off my loan early but it's great to have flexibility."

- James, 22/3/16

"As always, speedy, efficient and friendly. I'm happy to recommend to my family and friends."

- Darren , 17/3/16

Our Customers

We provide short-term loans to people across the UK.

Accurate as of May 2016.

Approval Process

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

Lending Stream LLC 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

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 LLC, 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.