You can compare our loans to other short term lenders.

3 Month Loans

3 month loans can help you meet your needs without breaking your budget. Our loans are easy to apply for and our approval process is quick. We also offer you 6 months to repay back. So, if you're in need of a 3 month loan, be sure to consider Lending Stream.

How much do you need?

£
£ 50
£ 1500

Cost of Credit:

Duration

6 months

Amount Borrowed

£550.00

Total Interest

£

Monthly repayable

£

Representative 1333% APR

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.

Why choose Lending Stream for a 3 month loan?

Fast

Cash sent to your bank in under 90 seconds, once approved.

Convenient

24/7 simple & online application. Instant decision. Direct lender since 2008.

Affordable

Repay in 6 monthly repayments. Pay early with no extra fees and save on interest.

Trusted

99% recommend us on Reviews.co.uk and rated Excellent on Trustpilot

Representative 1333% APR

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

What are 3 month loans?

3 month loans are short term loans that you repay over three months. They're usually for fairly small amounts, are usually designed for emergencies and can be approved on the same day of application just like same day loans.

Our 3 month loans are also Unsecured Loans. With Lending Stream, we give you 6 months to repay the loan. But if you want to save on interest, you can pay us back in 3 months instead.

How much can you borrow with our 3 month loan?

If it’s the first time you’re applying for loan with us, you can borrow up to £800.

If you’ve had a loan from us before and kept up with all your monthly repayments, you can apply for up to £1500.

We’ll even give you 6 months to repay the loan. But if you want to save on interest, you can pay us back in 3 months instead.

3 Month Loans

How do I check if I’m eligible for a 3 month loan?

To apply for a 3 month loan with Lending Stream, you must:

Have a valid debit card
An active bank account
Be a UK resident.
Should be at least 18 years old
Should be in regular employment with a monthly income of at least £400

During the application process, you may also need to show that you have a regular income and can afford the repayments on top of your existing financial commitments. In some cases, these details may need to be verified (although this will be done discreetly).

Representative 1333% APR

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

How can I apply for a 3 month loan?

Before you apply for a 3 month loan online, check out our 6 month loan and see if it might make more sense to you. It’s quite easy to apply for a loan with us. Just follow through the application step by step, giving us the following information:

  • Choose how much you want to borrow
  • Fill in your personal details
  • Provide us with your employment, salary, expenses and banking details

And after a couple of credit and affordability checks, we’ll be able to tell you if we can give you a loan.

Representative 1333% APR

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

How long have you got to pay your 3 month loan back?

With Lending Stream, you’ve got 6 months to pay back what you borrow.

If you want to repay your loan sooner than 6 months, like in 3 months then that’s fine too! You can repay as early as you want with no extra fees. And because our loans are charged at a daily interest rate, you’ll save money if you repay early. In fact, many of our customers repay their loan in 3-4 months.

What if my 3 month loan application is rejected?

We never guarantee if your application will be approved or not. We look at many different factors when you apply for a loan with us.

We don’t want you to borrow money that you can’t afford to pay back.

If the information we receive from a credit reference agency is a factor in denying your 3 month loan application, then we'll let you know the name of the credit reference agency by email. You can check your credit file with them if you wish.

What are the advantages of 3 month loans?

Fast Cash: If you have any unexpected expense or financial problem then a 3 month loan can give you quick access to the money you need.

No Collateral Required: When you apply for a 3 month loan, you don't have to risk any possessions such as your house, cars, or any other assets.

You May be Eligible for a 3 Month Loan with Bad Credit: We will never pretend that your credit score isn’t important for us. But we do understand that your credit score doesn’t fully reflect your current situation which is why we even consider giving bad credit loans.

Repay in Affordable Amounts: Even if you take out a loan with Lending Stream, we’ll give you 6 months to pay back. Unlike payday loans you don’t have to pay it all back in one go.

What are the disadvantages of 3 month loans?

High Interest Rate: A 3 month loan usually come up with a high interest rate.

Financial Burden: A 3 month loan can put you in financial difficulty if you're not able to keep up with the repayments, because missed or late payments can result in additional fees or affect your credit file.

FAQs - 3 month loans

  • At Lending Stream, we understand that life doesn't always go according to plan and that unexpected expenses can pop up when you least expect them. That's why we offer 3 month loans for bad credit. If you have bad credit, you may still be eligible for a loan with Lending Stream.
  • Yes, Lending Stream is a 3 month loans direct lender. We are not a broker or middleman. When you apply for a loan with us, you can be confident that you're dealing with the lender directly.
  • No. Being a responsible lender, we carry out a credit check on all our applicants.
  • If you make your repayments on time, a 3 month loan from Lending Stream could help improve your credit score. However, if you miss or make late payments, this could have a negative impact on your credit file.

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