Lending Stream

12087 reviews

897% Representative

Will lend between: £50 - £1,500

Over: 0 - 6 Months

Representative example: Representative APR is 897%, if you borrow £200 over 6 months at 248.20% p.a. (fixed) you would owe six repayments of £58.98. You will repay £353.87 in total, there are no additional fees. This rate is available to new customers applying through this channel.

Are you eligible for Lending Stream?

Check your eligibility before you apply.

  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
Check Eligibility

Lending Stream customer reviews.

12087 reviews

4.7 out of 5 stars

15:20 16-07-2016
ImageChoose Wisely

Easy to get a Loan and you able to pay in installments but in reality the longer you pay if so much more interest. Oh another thing money transfer takes a long time to come through.


Best payday loan I've had
20:51 07-11-2014
ImageChoose Wisely

I found this the easiest and most reliable payday loan I've had only took a few minutes to apply and just a few more to have the money enter my account best thing I like is that I don't need to pay back on the first month like most payday loans all though it's better too still im a happy customer


bad experience all round
11:17 05-11-2014
ImageChoose Wisely

I applied for a short term loan, was told application was almost complete and to wait for confirmation. Heard nothing so did live chat the following day and apparently there was no sign of my application but mome ts later received a phone call with an obnoxious girl who asked for my details again and then said I would have to send details through in the post. Still waiting for loan. Terrible customer service


great service
12:52 29-08-2014
ImageChoose Wisely

best service for payday loans i have used. very quick and efficient


Excellent Service
06:25 26-08-2014
ImageChoose Wisely

An easy application system with a very fast payout. Perfect for the unexpected financial emergencies.


Good service
12:24 16-03-2014
ImageChoose Wisely

OK yes, APR is excessive. The ability to repay over time is a plus over other payday lenders and can always repay early. Never had a problem in the past and hope this continues!


Straight forward
06:35 14-03-2014
ImageChoose Wisely

Lending Stream are extremely efficient, providing short term loans that can be paid back early. The application is straight forward and the pay out prompt. Although quite expensive, you do have the opportunity to settle early and save money. Lending stream have helped me out when I've been in a pickle towards the end of the month. I've never missed a payment and can honestly say I find them easy to deal with.


Easy to understand
11:41 13-03-2014
ImageChoose Wisely

Simple, easy and very quick, have used this company a number of times, no problems with regular payments or making early payments, I don't expect them to manage my money , but they are very helpful.

Sarah Williams

08:35 09-03-2014
ImageChoose Wisely

Excellent process quick payout 24/7 being anole to top up as and when is great and spreading cost over 6 months is very helpful.


Excellent service
17:32 05-03-2014
ImageChoose Wisely

Simplicity in an emergency. No headaches or worries. Even when situation occurs . The customer service are there to help. Although the interest rates are high it's a lot better to spread the cost over 6 months. I would recommend Lending Stream to anyone as an emergency measure. As long as they can afford it.

Michael Jackson

Our review of Lending Stream

Lending Stream are a short-term lender with a loan term of six months. Their representative APR is high at 896%, however this sort of rate is to be expected when considering this type of credit. Their online application makes life simple for customers and the online management tool is a bonus as it gives customers the chance to take charge of their loan – they can have visibility of their repayments, see the remaining balance and check on the status of their payments.

When first applying to Lending Stream, customers are only allowed to borrow up to a maximum of £800. Once they have proven that they can repay on time and everything is in order with the loan, they can then borrow up to £1,500. Successful applicants can receive the loan payment into their account almost immediately, however it can take up to 24 hours for the payment to show in your online management section. Lending Stream don’t have any hidden fees or charges, but beware of late payments as they do incur a charge and can harm your credit history in the long run.

As with all short-term lending options, they are not a long-term solution and as they have such a high representative APR. Caution should be taken if you are looking at this type of credit to avoid getting stung and falling into financial difficulty.

Overall verdict: Although using short-term credit loans should be carefully considered, Lending Stream appear to offer a transparent way of doing business. They provide their customers with all the tools to keep on top of the loan and their website is simple to use. If you are thinking of taking out credit with this type of lender then they could be an option worth researching.

Written by: Alex


  • No fee or charge for early settlement of the loan
  • 94% of their customers would recommend them
  • Money transfer process initiated within 15* mins of approval
  • Review the status of the loan via online management account

Minimum criteria

  • You must be a UK resident
  • You need to be aged at least 18
  • You must be in regular employment
  • You will need to have a monthly income of at least £400
  • You must have a bank account with a valid debit card


  • Maximum APR 1721%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £15

Lending Stream Customer Question & Answers

Have a question for Lending Stream?
Ask the first question

About Lending Stream

Lending Stream, a short-term lender, offer their first time customers loans from £50 to £800, however if you’re an existing customer and your account is up-to-date, then you can apply for amounts up to £1,500. The loan term is six months and their representative APR is 897%. They don’t charge any hidden fees for arrangement or early repayment and the only fees that could be applied by Lending Stream is late payment penalties of £15.

The application process is completed online and so the process is quick, however there may be some cases in which some details may need to be confirmed via phone, email or fax which could increase the time. Lending Stream look at more than just credit history during the application so those with less than perfect credit can apply and receive an instant decision.

Lending Stream offer an online account that helps with the management of the loan, customers can see the status of their most recent payment, payment history and the balance of the loan. Lending Stream has been providing short-term loans since 2008 and is a member of the BCCA and CCTA.

*Subject to loan approval, you will receive cash through our Express Cash Transfer option for free if supported by your bank. We can initiate the transfer process of funds into your account within 15 minutes after final approval of your loan subject to an assessment of affordability and credit worthiness. The time that it takes for cash to appear in your account will depend on your bank's policies and procedures.

Company information

Registration number: FC032134


0203 365 0133

Lending Stream, Wisteria Grange Barn, Pikes End, Pinner, London

FCA registration

Reference No: 689378

Trading names: Lending Stream, Drafty, Mydirectloan, Paydayloansshop, Get More Out Of Life Loans, 6 Month Loans, Paydayloanstore, Zebit

Place of business: 251 Little Falls Drive, Wilmington, DE 19808, USA

Data protection registration

Registration No: Z2752028

Data controller: GAIN Credit LLC

Address: 251 Little Falls Drive, Wilmington, DE 19808, USA

Apply Now
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk