To apply for a Lending Stream short-term loan you must be a UK resident, at least 18 years of age, be in regular employment with a monthly income of at least £400, and have a valid debit card and active bank account.
If you meet these requirements and want to know more about our process, please read our How It Works page.
Or you can get started with our online loan application process and get an instant decision.
When you apply for a payday loan, or a short term loan from any responsible lender, there are several parts to the process, but with Lending Stream, we try to make the application, checks, approval and repayment of our loans as straightforward as possible.
Making a short-term loan or a payday loan application should not be entered into lightly, as this type of borrowing isn’t right for everyone and is not appropriate for those who are already in financial difficulty or are looking to borrow money long-term.
In order to meet short term or payday loan eligibility requirements from a responsible lender, you will need to be able to show that you have a regular income and can afford the repayments, on top of your existing financial commitments. When you apply for a Lending Stream loan, your credit history will also play a part in the approval process, but we always take your individual circumstances into account when coming to a decision.