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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Money problems? We’re here to help.

We understand that life can be difficult sometimes. If you need help, please reach out to us by phone, email or live chat.

Get in touch

Handy tools from Afforda

Our partner site, Afforda, offers useful tools and resources to help navigate financial challenges.

BenefitGlance

The free BenefitGlance tool helps people living in the UK find financial support they might be entitled to.

Start BenefitGlance

Resources

There are organisations and charities that might be able to help you, no matter what you’re dealing with.

Find out more

We believe it’s always best to get in touch if you’re struggling. Here are some examples of how we’ve listened to, and helped, our customers.

Whilst the following stories are reflective of real-life customer situations that we have seen and helped with, we have changed the names and the exact events as well as used photos of actors in order to maintain confidentiality.

Sudden financial problems

When Jenni’s employer went out of business, she could no longer afford to make her loan repayments on top of her other bills. She spoke to us and we worked out a solution together.

Find out how we helped Jenni

Illness – Cancer diagnosis

Ruby had made two repayments on her loan when she was diagnosed with terminal cancer. With so many important things on her mind, she needed quick, discreet help.

Find out how we helped Ruby

Family Bereavement

When a close family member died, Paul had to arrange the funeral. For many reasons, this made repaying his loan difficult. In this case, a payment break made sense for him.

Find out how we helped Paul

Addiction to gambling

Sarah had opened up about her gambling and begun to get help. When she spoke to us, we listened. She needed some flexibility while she sorted things out.

Find out how we helped Sarah

Mental health

Brian was feeling overwhelmed and anxious. While on sick leave, he realized he needed some financial breathing space. He contacted his creditors, including us.

Find out how we helped Brian

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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