Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. You can compare our loans to other short term lenders.
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  • Andrew Wayland

Andrew Wayland

VP Customer & Proposition – Lending Stream

Connect with Andrew

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Andrew Wayland is the Vice President of Customer and Proposition at Gain Credit, a leading fintech company that develops credit solutions for underserved consumers. He holds a Bachelor of Business Science in Marketing, as well as a BA in Politics and Philosophy.


In his role, Andrew helps develop and shape new credit products, including those offered by Lending Stream. With over 19 years of experience in the financial services industry, he brings extensive expertise in consumer credit.
Andrew is passionate about leveraging data and technology to improve financial products and enhance customer experience.

Recent articles from Lending Stream

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“Payday loans are typically used to address a short-term need for cash and usually help with urgent costs before your next pay date. They can be helpful in emergencies, but it’s important to only borrow what you can comfortably repay. Some people choose small loans that can be paid off over a few months. In the UK, these loans are heavily regulated by the FCA to ensure lenders act fairly and clearly explain fees, terms, and repayment conditions.”

Andrew Wayland

VP Customer & Proposition
Loan Expert – Lending Stream

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 1625%.

Representative Example: Given a Representative APR of 1271%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £96.39. You will repay £578.36 in total.

We are a lender and may pay commissions to credit brokers or other intermediaries who introduce customers to us. The amount of commission we pay can vary depending on the broker, the product offered, and the terms agreed with the broker. This commission is not charged to you and does not affect the total cost of your loan.

Responsible Lending: Take a moment to decide if Lending Stream is right for you. Short term loans are an expensive form of borrowing  and may not be suitable for you, especially if you're in financial difficulty.

Lending Stream is a trading name of GAIN Credit LLC. Contact Address: Lending Stream, PO Box 10756, Leicester, LE3 4GX | Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA | Registered in the State of Delaware, USA | Registration Number: 4124111. Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378.

*We send cash to your bank in under 90 seconds if you are approved. It may take longer to reach your account depending on your bank’s processes.

#Call charges apply. Standard charges from landlines, mobiles and other providers may vary.

1 New customers can borrow between £50 to £800, existing and returning customers can borrow from £100 to £1500.

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