You can compare our loans to other short term lenders.

How It Works

You apply ● Instant Decision ● Fast Fund Transfer

How to apply with Lending Stream?

You apply

Applying for a short term loan with Lending Stream is simple. Just choose how much you want to borrow and fill in your personal, banking and employment details. It usually takes 5 minutes** or so.

Representative 1333% APR

Warning: Late repayment can cause you serious money problems.
​​​​​​For help, go to moneyhelper.org.uk.

**Application times may vary. Please carefully fill out the application and consider each section before proceeding with the application.

You get your decision

We'll run your application info through our algorithm, taking into account your circumstances and not just your credit rating. In most cases, we'll give you an instant decision and let you know how much you can borrow.

Your loan gets sent straight to your acount

Just give us your bank account details as part of the application, and we'll start streaming the cash to your bank in under 90 seconds
 

Take control of your repayments

There are two ways we can do the repayments. Whatever works best for you - it's your call.

  • When you borrow from Lending Stream we set up automatic repayments so that you’ll never miss a payment. We take out the amount each month on a specified date (and we’ll remind you when we’re about to do it, so it’s not a surprise).
  • You can also make individual payments online in your account at any time. You can also call us on 0203 808 4440#

We'll help make sure you know what you're doing throughout as well. We'll keep in contact with you with information about how to avoid problems and help keep your financial position positive.

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Are you eligible?

If you want to apply for a short-term loan with Lending Stream, you'll need to be at least 18 years old, a UK resident and in regular employment earning at least £400 a month. You'll also need a valid debit card and active bank account.

Or you can get started with our online application and get an instant decision.

Representative 1333% APR

What is a representative example of a Lending Stream loan?

A representative example shows you the terms of our typical loan (offered to more than 51% of applicants) and the cost of credit in accordance with the Consumer Credit (Advertisements) Regulations 2010.
 

Representative example

 
Annual Interest Rate292.0%153.30%
Total amount of credit£200£800
Representative APR1333%325%
Duration of agreement6 months12 months
Total amount payable£386.61£1563.2
Monthly repayments of:£64.44​​£130.26

How does continuous payment authority work?

Continuous Payment Authority (CPA) is a way of making payments on your loan. It means you give us permission to collect payments automatically from the bank account that's linked to your debit card. This is set up when you apply and can help you avoid missed payments.

You can cancel CPA at any time by asking us or contacting your bank. If you do so, you'll need to arrange payments in a different way, such as online payments via the Lending Stream website or a standing bank order. If your loan payment is outstanding, please contact us so we can help you set something else up.

What loan fees do you charge?

The only fees we charge are for late payments.  We will apply a late payment fee to your account if you miss a payment on the date it is due unless you have spoken to us in advance to make us aware that your payment will be late.  
 
We will never charge more than £12 in late payment fees over the lifetime of your loan.

How will the late payment fee be applied?
 

  • If you pay monthly, a late payment fee of £12 will be applied after your first missed payment. You will only ever be charged a maximum of 1 late payment fee of £12 over the lifetime of your loan.
  • If you pay weekly, a late payment fee of £4 will be applied after your first missed payment. For each missed payment after that we will charge a late payment fee of £4 up to a maximum of 3 late payment fees equal to £12.
 Monthly PayerWeekly Payer
1st late payment fee£12£4
2nd late payment fee£0£4
3rd late payment fee£0£4
Maximum fee applied over the lifetime of a loan£12£12

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

We'll try to avoid putting you in the position - this is why we don't guarantee you'll be accepted. But we understand that things do go wrong sometimes. If you have any problems, please contact us and we'll work with you to arrange an alternative repayment plan that may suit you better.

Also, if you find it useful, you can contact free debt advice providers moneyhelper.org.uk.

Representative 1333% APR

Learn more about the cost of your loan, default charges, risks and prepayments.

Responsible Lending: Please think carefully about whether Lending Stream is the right solution for you. Short-term loans are an expensive form of borrowing. They could make your finances more difficult in the long-term. This is even more important if you're in financial difficulty. If we don't think you can afford a loan, we won't give you one. We'll look at your current finances and credit history before we make any lending decisions.

More information on cash loans

Upon Approval At Lending Stream, you will get

Fund Transfer
Cash sent to your bank in under 90 seconds
24/7 Payouts

Even on bank holidays

Simple Payments

Automatically withdrawn from your bank

We don't offer loans under 60 days. We offer 6 or 12 month loans. The maximum repayment period is 12 months. Maximum APR 1721%.

Representative Example: Given a Representative APR of 1333%, if you borrow £200 over 6 months at 292.0% p.a. (fixed), you would owe 6 equal repayments of £64.44. You will repay £386.61 in total.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk