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Am I eligible to apply for a Lending Stream loan?

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.

Representative 1325% APR

More about short term loan requirements and eligibility

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.

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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.