Help

You can apply for a loan if you:
 

• Have a valid UK Debit card
• Have an active UK bank account
• Live in the UK
• Are over the age of 18
• In regular employment – full or part time
• Have a net monthly income (after tax) of at least £400

You can apply for another loan even if you haven't finished paying back your current one. We’ll usually tell you when you can apply again. We’ll look at all the information you give us before we decide whether we’ll lend to you again.

It's important to think carefully before applying for a new loan. It’s not a good idea to borrow more if you're already having financial problems.

Even if you've paid all of your previous loans on time, we may not be able to give you another. This is especially true if you’ve had several loans recently. When you apply, we will look at your current finances and credit history before making any lending decisions.

If this is the first time you’re applying to us, you can ask for any amount between £50 to £1500.

We can’t guarantee that you can borrow the amount you applied for. We might offer you a lower amount based on our assessment of your ability to repay.

We can't guarantee approval until we’ve seen and assessed your application. Even if you've had a Lending Stream loan before and paid it back, we'll use the latest information available about you to make our decision.

We do this to make sure we're always using the most up-to-date information available and to avoid giving you a loan that might be difficult for you to repay.

We know that it can be disappointing and frustrating when a loan application is declined. We work hard to make sure we make the best lending decisions based on your personal circumstances. If the information we collected from you, along with other information we look at, tells us that you don’t meet our lending criteria, we won’t be able to give you a loan at this time. 

Our credit assessment process is confidential, so we won’t be able to tell you about the basis of our decision, even if you ask us.

Things can change quickly, and we’d like to stay in touch. We may contact you again if we think we may be able to help. We can’t guarantee that we’ll be able to agree to any applications you make in the future of course, but we’ll look at each one carefully.  

• online
• through chat by logging into your account

We don't charge any fees to apply, to run your account or if you repay early. The only fee we will charge is if you don’t repay when you’ve agreed to (and not let us know there is a problem).  

If you do miss a payment, we will apply a late payment fee to your account. We will never charge you more than £12 in late fees over the lifetime of your loan. More information can be found here.

If you want to make sure you're on top of your loan payments, log in to your account, where you can see your payment schedule.

If you’re having trouble making your payments, or think you might, we’ll be happy to talk to you about options we can offer about your payments. The sooner we know the more we can do. We can work with you to identify the best next option whether that’s a payment break or an affordable repayment plan.

If you’d like to get some free, impartial advice, go to the government backed, independent, free to use service Moneyhelper (moneyhelper.org.uk) or call them on 0800 138 7777#.

Whether you’ve been caught off guard by higher bills and payments, uncertain income, loss of a job, or finding yourself in a difficult situation that may need an expert's view, they can help you find your way forward and take the first step towards getting on top of things.

If you need any additional support to help you manage your account, or if there is anything we should know about your circumstances to enable us to help you better, please get in touch and tell us.

When life throws something at you, we're here to help. From difficulties with physical or mental health to serious illness and other sudden and unexpected life events. If you feel like you can't manage your finances, we're ready to provide you with the support you need. Additionally, if you’d like to get some free, impartial advice, go to the government backed, independent, free to use service Moneyhelper (moneyhelper.org.uk) or call them on 0800 138 7777#.

We won’t judge. We’ll use the information you provide us to understand how we can support you.

You can find out more about how we have already helped customers like you. We've gathered some of our customers stories here. If any of these sound like your situation, please contact us.

When you apply for a loan, we’ll conduct a search with Credit Reference Agencies. This will give us information about your current and previous handling of credit. You’ll be able to see that we made a search of your record on your credit file.

We check your credit file as part of the application process. However, it's not the only factor which we use to make our decision. We’ll do a full credit check which will be recorded on your credit file. Too many checks with different lenders over a short period of time can affect your credit score, reducing your ability to get credit in the future.

Once you’ve taken a loan, we’ll tell the Credit Reference Agencies about your repayments every month. If you ever want to check information on your credit report, there are a number of services available which you can use free of charge to do so. These include www.CreditKarma.co.uk and www.ClearScore.com.

One of the credit reference agencies we use is Trans Union. You can find more about them and other Credit Reference Agencies here: Credit Score Frequently Asked Questions | TransUnion UK

To manage your account, we’ll store some information about you. We’ll tell the Credit Reference agencies every month about how you are managing your payments.

You can ask us at any time to show you what information we hold about you. You can do this is by going to our contact us page and making a Data Subject Access Request.

When our relationship ends, we’ll only store the information we have about you for as long as we reasonably think we need to. We will destroy all data that we no longer require.

Full information on how we use your data can be found in our Privacy Policy which can be found here.​​

Please make sure you're dealing with the real Lending Stream. There are fraudsters out there who may try to trick you into applying elsewhere. We'll never ask you for upfront payments, application fees or processing fees.

If you receive a phone call and you are not sure if the person is genuine, end the call, and call us on 0203 808 4440#

Please don't provide personal or financial details to anyone who contacts you to request them. You should report them immediately to Action Fraud by contacting them on 0300 123 2040 or using their online form http://www.actionfraud.police.uk/report_fraud.​

It's easy to update your information. Just go to your online account and go to “My Profile” where you can make changes.  You can also call us on 0203 808 4440# or chat to us when you’re logged in​​

If you have a concern about our service or performance, we want to hear about it straight away. We can usually sort things out quickly and without fuss. However, you always have the right to make a formal complaint to us.

The best way to contact us or making a formal complaint is by logging into your account and chatting with us.

You can also contact us:

• on our Contact Us page
• by phone on 0203 808 4440# We are available from 9am to 6pm Monday to Friday and 9am to 1pm on Saturday.

We'll acknowledge your complaint within two business days of receiving it. We’ll give you our final answer within eight weeks.

If you're not satisfied with our final response or have not received a final response from us within 8 weeks of making your complaint, the Financial Ombudsman Service may be able to help - visit www.financial-ombudsman.org.uk or phone 0800 023 4567 (free from most phone networks).

Download our full complaints handling procedure here.

To reset your password, follow these steps:
 

• Click on the sign in tab and look for the "Did you forget your password or email" link. Click on “password”.
• You'll be prompted to enter your registered email address associated with the account. Provide the required information and click on next.
• Select how would you like to reset the password. Choose one option from Email or SMS and click on next.
• After completing reset password, a link will be sent to you via email or the phone number as per your selection.
• Check your email inbox for a password reset link. Click on the link to create a new password for your account.
• If you don't receive the email, check your spam or junk folder. Sometimes, password reset emails end up there.
• If you still encounter issues, please get in touch. You can do this by going to our contact us page or by calling us on 0203 808 4440#. We are available from 9am to 6pm Monday to Friday and 9am to 1pm on Saturday.

If the password reset process isn't working, try the following steps:
 

• Double-check that you're entering the correct email address registered with your account.
• Make sure you're clicking on the correct password reset link in the email. It's a good idea to copy and paste the link directly into your web browser.
• Clear your browser's cache and cookies and then attempt the password reset again.
• If the issue persists, please get in touch. You can do this by going to our contact us page or by calling us on 0203 808 4440#. We are available from 9am to 6pm Monday to Friday and 9am to 1pm on Saturday.

To improve the security of your login information, follow these best practices:
 

• Use strong and unique passwords for each account.
• Please use at least 8 characters, including 1 letter, number and special character (e.g., $, #,!. *). Your password should not be too similar to your name or email address.
• Avoid using information that might be easily guessed, for example words such as "password," "123456," or your name.
• Regularly update your passwords and avoid reusing old passwords.