Easy Loans
Looking for easy loans? At Lending Stream, we provide a quick and easy loan application process with minimal hassle. Applications for our easy online loans are available 24/7. Our loans start from £50 up to £1500 and we even consider people with bad credit.
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.
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.
Very easy to apply
Very easy to apply, couldn’t have been more simpler to be honest and the money was in my account in less than a minute 10/10
Leona, 18 November 2023
Poor credit rating no problem
Quick and easy to apply
Kim, 25 November 2023
Why choose Lending Stream for easy loans?
Fast
Cash sent to your bank in less than 90 seconds, once approved.
Convenient
24/7 simple & online application. Instant decision. Direct lender since 2008.
Affordable
Repay over 6 months. Pay off early with no extra fees and save on interest.
Trusted
Rated excellent on Trustpilot & 99% recommend us on Reviews.co.uk.
What are easy loans?
Easy loans are a type of personal loan that offers quick and easy solutions for your unexpected financial needs. These loans are typically offered by direct lenders and can provide borrowers with quick access to the cash they need.
In the UK, easy loans are often used to cover unexpected or emergency expenses, such as car repairs or medical bills. These loans tend to have fewer requirements than traditional loans, meaning that individuals may not need to provide collateral or have good credit to qualify.
At Lending Stream, we provide a pretty straightforward application process and quick decisions. We offer unsecured easy loans that require no guarantor, making them a convenient option for those who want to borrow cash quickly.
With our easy online loan application process, you can apply in minutes and get a decision almost instantly.
How do easy loans work?
Easy loans work by providing borrowers with quick and easy access to funds, without the need for a lengthy application process. This is why easy loans can be referred to as fast loans due to quick application process and decision.
You can apply for a loan with Lending Stream by filling out our online application form, which asks for basic information about you, your employment status, and your income and expenses.
Once you submit your application, we will review it and provide you with a decision almost instantly. If approved, the approved amount will be sent to your bank within 90 seconds.
Who needs easy loans?
Easy loans are typically used by individuals who require quick access to cash, usually for emergency or unexpected expenses. These types of loans tend to have fewer requirements than traditional loan products, making them a convenient solution for those who need money quickly.
Despite the convenience of easy loans, it is important to remember that they often come with higher interest rates and multiple loans, or late repayment can cause more debt.
This is why borrowers should always read over the terms and conditions carefully before committing to any loan so that all associated costs are understood clearly.
How easy is it to get approved for a loan?
The ease of getting approved for a loan will vary between lenders and their eligibility criteria. It’s important to note that even if you meet the basic eligibility criteria, approval for a loan is not always guaranteed.
Lenders assess each application on a case-by-case basis and may consider other factors such as debt-to-income ratio and the purpose of the loan.
If you are looking to check if you will be eligible to apply for a short term loan with Lending Stream, then 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 with Lending Stream, you may be asked to show that you have a regular income, and can afford the repayments with all your existing financial commitments. In some cases, these details might be verified too (although this will be done discreetly).
How to apply for a loan easily in UK?
If you are looking to apply for a loan easily in the UK, then start by researching lenders or loan brokers, and comparing their loan options. Once you have found a direct lender that meets your needs, you can begin the application process online.
Most lenders will require you to provide personal information, including your income and employment details. You may also be required to provide documentation to support your application. If you have a bad credit rating, there are still options available for you to get a loan.
If you are looking to apply for loans online with Lending Stream, we keep our loan application process quick and easy. All you have to do is fill out our online application form and give us the following information:
- Choose the amount which you want to borrow with us
- Fill in your personal details
- Provide us with your employment, salary, expenses, and banking details
Once submitted, we will carry out a credit and affordability check on your profile. If approved, we will send the approved loan amount to your bank within 90 seconds.
Can I get an easy payday loan?
Getting a payday loan may be relatively easy, but it’s important to understand the risks and potential consequences before applying. Payday loans typically come with high interest rates and fees and can quickly become expensive if you can’t repay the loan on time.
Lending Stream offer an alternative to easy payday loans with up to 6 months to repay. If you’re approved, we’ll send the money to your bank in under 90 seconds. Also, if you want to pay off early then you can. There’s no charge and you’ll pay less interest!
Is it easy to get a loan with bad credit?
Getting a loan with bad credit in the UK can pose a challenge, however this does not mean that it is impossible for people with a bad credit score to get a loan.
At Lending Stream, we consider people for loans for bad credit too as we make sure to do credit and affordability checks rather than just replying on your credit score. We know that you might be able to repay your loan but have bad credit because of past difficulties and money problems.
What types of easy loans can you get in UK?
There are several types of easy loans you can get in the UK, depending on your specific needs and financial situation. Below you’ll find the most common:
Can I get loans easily without a credit check?
No, it is not possible to get a loan without a credit check. All reputed FCA authorised lenders must carry out some form of credit check to assess the borrower’s ability to repay the loan and whether they are suitable for their product.
At Lending Stream, we carry out an initial credit check to see your credit and affordability before approving any loans applications.
There might be a loan provider or loan broker who can approve you for no credit check loans but you should keep in mind that these loans usually have higher interest rates, and the lender might not be authorised by the FCA.
Contact us – Lending Stream
If you already have an account with us, you can log in and chat with us through there. Otherwise, you can get in touch on our contact us page.
If you prefer you can give us a call on 0203 808 4440#. We’re open from 9am to 6pm Monday to Fridays, and 9am to 1pm Saturdays.
FAQs – easy loans
What is the easiest loan to get?
The loans that are easiest to get can vary depending on your individual financial situation and the lender’s requirements. However, here are a few types of loans that may be relatively easy to obtain such as personal loans, payday loans, etc.
How much can I borrow with an easy loan?
The amount you can borrow with an easy loan depends on the lender’s requirements and your individual financial situation. Generally, it is possible to get loans from £50 to a few thousand pounds.
Do I need security for an easy loan?
It depends on the type of loan you are applying for. Loans like payday loans and short term loans usually don’t require collateral, but unsecured loans may require a guarantor.
Are easy loans expensive?
The cost of easy loans can vary depending on the lender, type of loan and your individual situation. Generally, these types of loans come with higher interest rates and fees compared to other types of loan such as secured loans.
What is the lowest score to get a loan easily?
The lowest credit score to get a loan easily can vary depending on the lender and type of loan. Generally, any credit score above 500 is considered good, but you may still be able to get a loan with a lower credit score depending on the lender.
We don't offer loans under 60 days. We offer 6 or 12 month loans. So, the minimum repayment period is 6 months and the maximum repayment period is 12 months. You can choose to repay early and save on interest without any penalty. 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.
Very good company
Very good company, it's easy to fill out the application, everything is written well and clearly and the money is quickly in your account. The company is worth recommending
Grzegorz Komajda, 24 November 2023
Showing our latest reviews