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

A simple way to understand how the total cost of your Lending Stream loan works is to add the following:

The amount of cash you borrow

+ The interest we charge for the time you have the money

+ Any late fees and additional interest if you miss a payment

= The total cost of your Lending Stream loan

You may be able to lower the cost of your loan by repaying it early and reducing interest charges. We clearly spell out all of the costs of your loan up front, and Lending Stream charges no hidden fees. You can also look at a representative example.

If you know how much cash you need to borrow. Start by filling out our application.

Representative 1272% APR

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1272% 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 1272%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £46.40 followed by £88.00, £78.40, £69.76, £59.84 and £49.28 the following months. You will repay £391.68 in total, there are no additional fees.