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

We know that many people are looking for a 1-hour loan, or even 10-minute loan, so we've streamlined the Lending Stream online loan process to initiate the transfer process of cash to your account within 15 minutes* once your application is approved.

However, the time that it takes for a cash loan to appear in your account will depend on your bank's policies and procedures. If it seems to be taking too long, please check with your bank first. Then contact us at or on 0203 365 0133#, 08:00 - 20:00, to check on the status of the transfer.

To start the process so you can get the cash you need, just fill out our online application and find out if you are approved.

Representative 1325% APR

What is a representative example of a Lending Stream loan?

A representative example is a specific way we inform you about the terms of our typical loan and in particular cost of credit in accordance with the Consumer Credit (Advertisements) Regulations 2010.

Representative example

Annual Interest Rate: 292.0%

Total amount of credit: £200

Representative APR: 1325%

Duration of agreement: 6 months

Total amount payable: £383.68

Total charge of credit: £183.68

Amount of each payment

1st repayment: £33.60

2st repayment: £96.00

3st repayment: £75.84

4st repayment: £66.88

5st repayment: £62.40

6st repayment: £48.96

More about 1-hour loans

If you're looking for a quick payday loan alternative, where the money can be with you in a short space of time, a short-term loan from Lending Stream could fit the bill.

At Lending Stream, our aim is to help ensure that our successful loan applicants can have the money in your bank account as quickly as possible. As responsible lenders, we can't give totally instant decision loans, because we need to do checks to ensure that those who borrow from us can afford the repayments. However, once your application has been approved, the cash loan is usually in your bank account within minutes.

As an alternative to an instant payday loan, our short term loans can be repaid over six months, although you can repay in full at any time to save yourself money on interest.

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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.