Rating based on 22 reviews

Lending Stream


  • Short-term Loans up to £1,500
  • Low-interest starting from 1333%
  • Repayment up to 6 months

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Lending Stream homepage

Author Lending Stream. Screenshot of Lending Stream website. [Accessed May 12, 2020]

About Lending Stream

Lending Stream has been providing short-term loans since 2008 and has earned the name of a reputable lender in the UK.

If you are looking for short-term loans that are flexible and easy to repay, we are most definitely a sound financial choice for you.

More flexible repayment options

We offer longer repayment options compared to payday loan companies. Instead of repayment dates of only a few weeks, we offer six-month loan products. It ensures that our customers are set up with affordable repayments.

No early repayment fees

Additionally, our flexible repayment plans mean you can pay back early minus early repayment fees. Why should you be penalised for repaying your loan sooner? At Lending Stream, we believe you are 100% entitled to repay your loan earlier if you are able to and we always welcome returning customers.

Individual approach to loans

All customers that seek finance through Lending Stream are individuals with diverse backgrounds and requirements. And we know this. Thus, our personalised approval checks are designed to be quick, transparent and our requirements cater for your unique circumstances.

Why wait for the funds you need

If you require funds, you should be able to access it as soon as possible. We give an instant decision on our unsecured short-term loans. It leaves you to concentrate on the more important things that require your attention.

Lending Stream Services

An alternative to payday lenders, the Lending Stream is a short-term loans provided with a difference.

Our repayment term options stretch to six months, making your repayments as affordable as they could possibly be.

What do we offer?

New customers, applying for the first time, can apply for short-term loans from £50 to £800. Returning customers are able to apply for a loan of up to £1500.

Applying is as easy as going online, applying within five minutes, we review you application and should you be approved, you will possibly receive your funds within 15 minutes.

Minimum requirements

In order to apply for our short-term loans, you need to meet the following minimum requirements:

  • UK resident
  • at least 18 years of age
  • be in regular employment
  • earn a monthly income of at least £400
  • a valid debit card and active bank account.

What loan fees do you charge?

No-fee loans are the way we like to do business, so that means there is no application fee, no transaction fees, and no early repayment fees and we have no hidden fees at all.

However, if you default on your repayments, default charges do apply.

Lending Stream Product Details

  • Loan Type Short-term Loans
  • Interest Rate from 1333%
  • Loan Amount up to £1,500
  • Repayment 6 months

Benefits of Lending Stream

  • Fast online loan applications
  • Up to 6 months to pay
  • Short-term loans up to £1,500

Get the fastest loan payout with Lending Stream

So, you are probably wondering how it works, and how you too, can get your hands on the funds you need within 15 minutes of approval.

Steps to applying for a Lending Stream loan

Simply said, you apply, you get an instant decision and fast fund transfer.

1. Apply online
Take five minutes to complete the application form online, and get an instant decision. We request some basic information from you to start the loan application process and it’s good to know this can be done in no time at all.

2. Application review
On our side, we then conduct a personalised review of your unique situation, not just your credit score and history. You receive an instant decision and we will then let you know the full amount you are eligible to receive.

3. Funds within 15 minutes
Upon approval, we will request your bank account details to transfer the loan amount. Thereafter, the process to transfer the funds will commence within 15 minutes. We pride ourselves on the fact that we deliver 24/7 deposits regardless of bank holidays; making our service one of the most efficient financial services in the industry of short-term loans.

Am I eligible to apply for a Lending Stream loan?

Lending Stream’s short-term loan criteria requires you must to be a UK resident of at least 18 years of age, have regular employment with a monthly income of at least £400. You are also required to have a valid debit card and active bank account.

Repayment options

Your bank account details may also be used to set up a fixed repayment transfer from your bank account to make the repayment of the approved loan simple and successful. Alternatively, you also have the option of making online payments manually through your personalised account. It is all up to you and what suits you best.

Providing mentorship to our customers

The tools that we provide are designed to assist you with taking simple financial steps to improve your financial position going forward. Once you have been approved, you will receive your first email with information about how to make sound financial decisions throughout your relationship us and other credit facilities in the future. Keep an eye out for it.

man holding thumbs up

Lending Stream is a trusted & reliable provider of short-term loans

In our review, Lending Stream adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Lending Stream is a registered credit provider in the UK; FCA number 689378

Customer Reviews & Testimonials

I found the online application process super easy and my loan was approved in less than an hour. Very impressed!

Ashwin V
— East Kilbride —

I found the online application a bit hard to understand, but with the help of a friendly advisor, I was soon sorted.

Jamal Q
— Sussex —

The consultant was helpful, and I managed the slightly difficult application process.

Isidore H
— Belfast —

Lending Stream Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed