Please refer to our Cookie Policy for important information on the use of cookies. By continuing to use this website, you agree to this.

Quick payday loan alternatives

Choosing quick loans from Lending Stream can put you on the right track towards sorting out your finances. If you need a little help from time to time, we can give you a fast loan option to help you pay for that unexpected expense.

Our customers leave glowing comments about our service and product on independent review sites like Review Centre. Here's an example of one of our happy customers, who gave us five stars for our instant cash loans.

"Really helped out when we needed a small loan. Quick and easy service to us. Would definitely recommend. Fantastic company. Very happy with the service."

- Matthew, 17th July 2016

But don't just take one person's word for it, have a look at more customer reviews to see how many people are pleased with our fast and efficient service.

Representative 1325% APR

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

Instant decision loans

We know your time is precious. At Lending Stream, our process is designed to be streamlined, stress-free, and a responsible alternative to payday loans. Fill in a simple online form, and our advanced analytics system will process your request in an instant. We completely understand the need for quick cash, so if your application is succesful, we initiate the money transfer within 15 minutes* of approval.

On the spot decisions are made about your situation using our affordability analysis and credit scoring system. We analyse the data immediately to offer you an instant cash loan if your circumstances qualify.

One of the great things about our fast loans is that if you show a positive approach to repayment, you can apply for higher amounts the next time you need money. You trust us, so we trust you.

You remain in control when you take out a loan with Lending Stream. You can choose to repay over 6 monthly instalments as scheduled, or you can repay more quickly, making it easier to manage the interest you pay - and without any extra charge. It it works for you, it works for us. We believe instant decision loans still need to be responsibly managed. That's why we have a free mobile app for iOS and Android, which ensures that you can always stay on top of your balance and any upcoming payments.

Quick loans for bad credit

When you apply for one of our fast loans, we use a sophisticated algorithm to make an instant decision and quickly let you know the full amount you can borrow. Our instant decision loans aren't based on your credit history alone - we make a detailed personal review and consider your unique situation before releasing your money.

Instant loans online are becoming more and more widespread. At Lending Stream, we work to be a responsible loan provider, and only lend what we believe you can afford to pay back. Our quick and instant online loans are available to help you when you're in a tight spot. We do not recommend you take out a quick loan if you are in serious financial difficulty. If you need help with a long-term plan, we can put you in touch with free debit advice providers.

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.