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How It Works

You Apply Instant Decision Fast Fund Transfer

Our Simple Cash Loan Process

You Apply

The application process is simple and lets you get cash when you need it most. You choose how much you want to borrow and it takes only 5 minutes** to fill out the online application.


1325% APR

Warning: Late repayment can cause you serious money problems.

For help, go to

We Analyse

Our algorithm lets us make a personalised review of your unique situation, not just your credit. We provide an instant decision and let you know the full amount you are eligible to receive.

You Get The Money if approved

You give us your bank account details and we initiate the money transfer process within 15 minutes*. 24/7 deposits, even on bank holidays.

We Work Together for your success

The same bank account details you gave us allow us to make repayment simple and successful. Each paydate we do all the work of remembering your payment (though we send handy reminders too) and take out the amount. You also have the option of making online payments yourself through your personalised account. It's up to you!

Throughout the process, we also provide tools for taking simple financial steps to put yourself in a better financial position going forward. About a week after approval you will receive your first email with information about how to make the good financial decisions throughout your relationship with Lending Stream and beyond. Keep an eye out for it. If you want some ideas now, try these:

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.

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

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

Amount of each payment

Annual Interest Rate:


1st repayment:


Total amount of credit:


2nd repayment:


Representative APR:


3rd repayment:


Duration of agreement:

6 months

4th repayment:


Total amount payable:


5th repayment:


Total charge of credit:


6th repayment:


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 repayment

1st repayment:£33.60

2nd repayment:£96.00

3rd repayment:£75.84

4th repayment:£66.88

5th repayment:£62.40

6th repayment:£48.96

How does continuous payment authority work?

Continuous Payment Authority, or CPA, is permission you give Lending Stream when you apply for a loan to collect your loan payments automatically from the bank account that's linked to your debit card. Most people find it easier and more reliable to set up automatic debit card loan payments. It can help you avoid missed payments.

You have the right to cancel CPA at any time; however, if you do you'll need to arrange another way to make payments, such as self-service loan payments through your online Lending Stream account, a standing bank order, or posting a cheque. If you have a loan with us, please contact us immediately if you cancel CPA and we'll help you arrange another way to make your loan payments.

What loan fees do you charge?

If you do not pay a Repayment Amount when it is due, we will apply the following charges:

  1. on the first occasion that a Repayment Amount due is unpaid on the relevant Payment Date, we will apply a default charge of up to £15; and
  2. on any further occasion that a Repayment Amount due is unpaid on the relevant Payment Date, if we did not charge you the full £15 default charge on the first occasion, we will apply a further charge that will result in combined default charges amounting to £15

Other than that, we offer what is called no-fee loans. This means there is no application fee, no transaction fees, and no early repayment fees. We have no hidden fees at all.

Or if you have a loan with us and would like to see your payment schedule, you can log-in.

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

As a responsible lender, we do everything we can to avoid putting you in that situation, by carefully assessing your ability to repay a Lending Stream loan when you apply. However, we understand that your financial situation can unexpectedly change for the worse, making it difficult for you to repay your loan. In that case, we'll work with you to arrange an affordable repayment plan.

If you have a loan with us and need to talk to us about an affordable repayment plan, contact us. You can also choose to contact free debt advice providers.

Apply Now


1325% APR

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

Warning: Late repayment can cause you serious money problems.

For help, got to

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 applications are subject to status checks, terms and conditions and to satisfactory passage of checks on credit worthiness and affordability.

More information on cash loans

Upon Approval

At Lending Stream,
you will get:

Fund Transfer

Fund transfer process initiated
within 15 minutes*

24/7 Deposits

Even on bank holidays

Simple Payments

Automatically withdrawn
from your bank

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.