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Need a loan but have bad credit?

When looking for loans, bad credit ratings can mean some of the "pay day loan" providers simply say no before they have even examined your application. If you're looking for a short-term loan and have bad credit, then Lending Stream may be the answer. We know you may need a little extra cash to help you pay for an unexpected purchase from time to time, and we can help with a short-term loan subject to our approval process.

It's always worth remembering that a short-term loan is a high-interest borrowing system. These loans can be an option for helping when times are tough, but if you think you may need a long-term approach to financial stability, you might want to consider your options carefully before you apply for a short-term loan.

Representative 1325% APR

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

Loans for people with bad credit?

We understand that people who have poor or bad credit ratings might still need a loan every so often, but can sometimes struggle to find a provider in the mainstream "payday loans" market. At Lending Stream, we do more than just an ordinary credit check; our personalised review gives you confidence that any loan we offer is appropriate for you.

If you need to get loan but have a bad or poor credit rating, our algorithm lets us take a personalised view of your individual situation, we don't just look at your credit score. In fact, we are a top provider of short-term loans for people who may have poor or bad credit.

Lending Stream short-term loans

Whether you have a poor credit score or not, we offer one of the best short term loans on the market. Lending Stream offers a representative 1325% APR, which is lower than many payday loan companies. We also offer a fixed interest rate of 292.0% p.a. For example, if you wanted to borrow £200 over six months, by the time your loan was paid back you would have paid £383.68 in total, meaning your loan would have cost you £183.68 in interest.

Payday loan alternative

Here at Lending Stream, we're proud to be a responsible payday loan alternative. We allow our customers to pay off their short-term loans with monthly instalments spreading payments over a six month period. Furthermore, if you want to pay off your loan earlier than expected and cut down on the interest you'll pay overall, you will not be charged for doing so.

Our customers rate us 4.8 out of 5 for our fast and efficient service on - something we're proud of. Check out some of the comments from customers who have used our unsecured loans to help them out when they needed it. For a straightforward, convenient way to make repayments, view your balance(s), and keep track of your upcoming repayment dates from anywhere in the world using your mobile device, check out our app for iOS and Android.

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.