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Payday loan alternative

At Lending Stream, we offer instant payday loan alternatives for those who need a little extra help with their finances.

We think we're the best payday loan alternative out there - but don't take our word for it. Check out our customer reviews on, where we score 4.8 out of 5 stars. Our customers say we offer an excellent, fast, efficient service with affordable repayments.

Representative 1325% APR

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

Better than the payday loans

We charge a fixed rate of interest at 292.0% p.a. This means that if you borrow £200 over 6 months, your first repayment will be £33.60, followed by £96.00, £75.84, £66.88, £62.40 and £48.96 the following months. In total you will repay £383.68, so your short-term loan will have cost you £183.68.

Of course, if you take a loan for a smaller amount and over a shorter period, the amount the loan will cost you even less. You can also cut back on cost by paying up early.

Pay by instalment

Unlike most payday loan lenders, when you get a Lending Stream loan, you can pay it off in instalments. We offer 6 month loans, giving you more time to spread out the payments, and making it easier for you to pay the loan back.

Many payday loan companies don't offer this service, meaning you have to pay your loan back in one big chunk at the end of the loan term. This can be difficult to manage, and we think it's an unfair expectation of our customers. That's why we let you pay back in smaller chunks. If it works for you, it works for us.

Responsible lending

We know it can be tough to get credit when you need it, and we work hard to be the best payday loan alternative out there. But we're also passionate about lending responsibly.

You should consider carefully whether a 6 month loan is right for you. A Lending Stream loan should only be used for when you need money in the short term. These loans are a high-interest of borrowing and should not be used for long-term lending.

We run an affordability analysis on all Lending Stream applications to make sure our customers can afford one of our payday loan alternatives, based on their current circumstances. All loan applications are subject to a passage of checks on creditworthiness and affordability, and a set of terms and conditions, which ensure we lend responsibly and transparently. Our convenient mobile app for Android and iOS ensures that you can keep track of your balance and make payments wherever you are.

If you need funds quickly, and are looking for an instant payday loan alternative, consider a Lending Stream short-term loan. Once approved, we will initiate the funds transfer within 15 minutes*, so you can get on with your life.

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.