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FAQ

Application Process

What is a representative example of a Lending Stream loan?

Am I eligible to apply for a Lending Stream loan?

How do you make approval decisions?

What loan fees do you charge?

Can I get another loan before I have paid off the one I have now?

Do I need a valid debit card to take out a loan?

Do I need a valid bank account to get a loan?

If I'm not approved for a loan, can I find out why my application was declined?

Will I need to provide any documents with my online loan application?

Once my Lending Stream loan is approved, how long will it take to receive my money?

How much money can I borrow if I'm approved?

Do you offer no fee loans?

What is the total amount I'll pay for a Lending Stream loan?

What risks should I be aware of when I take out a loan?

Do you run a credit check and will that impact my credit score?

How can I contact you if I have a problem?

How can I register a complaint?

How many Lending Stream complaints have been reported to the FCA in the last 6 Month reporting period?

Is there any way to know before I apply if my loan application will be approved?

My information isn't accurate. What do I do?

How do I continue my online loan application if I get an error message?

Repaying Your Loan

How can I check if my payments are up-to-date?

How long will it take for a payment to be credited to my account?

How do I change my debit card details?

Can I change my loan repayment dates?

How does continuous payment authority work?

What happens if I can't pay back the loan?

What is the status of my loan?

How do I check my outstanding balance?

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 application are subject to status, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.

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.