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 up to twelve 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.
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.
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.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk.
Responsible Lending: Please think carefully about whether Lending Stream is the right solution for you. Short-term loans are an expensive form of borrowing. They could make your finances more difficult in the long-term. This is even more important if you're in financial difficulty. If we don't think you can afford a loan, we won't give you one. We'll look at your current finances and credit history before we make any lending decisions.
Awards
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: PO Box 10756, LEICESTER, LE3 4GX
We don't offer loans under 60 days. We offer 6 or 12 month loans. The maximum repayment period is 12 months. Maximum APR 1721%.
Representative Example: Given a Representative APR of 1333%, if you borrow £200 over 6 months at 292.0% p.a. (fixed), you would owe 6 equal repayments of £64.44. You will repay £386.61 in total.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk