Lending Stream


You can spread your loan over 4, 5 or 6 months, making smaller repayments

Unless you pay the express transfer fee (£15), it can take 3 days to get your loan

One of the more recommended payday lenders, known for their polite service, quick approval, fast payout and they can even accept people with adverse credit - don't apply if at risk of losing your income as they may be inflexible with repayment

Lending Stream offers short-term loans that are paid back in monthly instalments over six months.

Lending Stream accepts applications 24 hours a day, 7 days a week, even on bank holidays. We

encourage our customers to repay early to save on interest and provide online account management

features for making payments and checking account balances.

Lending Stream has been providing short-term loans since 2008 and is a member of the BCCA and CCTA.

We run an affordability analysis on all applications to help assess whether you are able to repay the loan

in a sustainable manner.


• Upon approval, fund transfer initiated within 4 minutes* (the time that it takes for cash to

appear in your account will depend on your bank’s policies and procedures).

• New loans £800;Returning customers can receive up to £1,500

• Repay your loan over 6 months


Lending of this type is an expensive form of credit that may be appropriate for short-term financial

needs, but may not be appropriate for long-term borrowing - or if you are in financial difficulty.

Warning: Late repayment can cause you serious money problems.

For help, go to moneyadviceservice.org.uk.

Identification Required:


Terms & Conditions/Restrictions:

You need to be 18 years of age, or older, be in regular employment with a minimum monthly income of

at least £400, and have a valid debit card and a working bank account. You should also be a UK resident.

We currently do not lend to individuals who are self-employed.
** Please refer to the Lending Stream website for the loan terms, fee structure etc before you apply
* Subject to loan approval, you will receive cash through their Express Cash transfer option for free if supported by your bank. They can initiate the transfer of funds into your account within 4 minutes after final approval of your loan subject to an assessment of affordability and creditworthiness. The time that it takes for cash to appear in your account will depend on your bank’s policies and procedures.

How much will it cost to repay a Lending Stream?
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Loan Details
Representative APR
Loan Amount
£50 - £1,500
Repayment Period
Between 4 to 6 months
Repayment Method
Express Cash Transfer (rapid transfer directly into your bank account) BACS (transfer directly into your bank within 3 days)
Speed to Payout
If accepted and your bank supports Express Cash Transfer option money within minutes
Arrangement Fee
Payment Holidays
None available
Income Protection Available
Average Customer Review
Acceptance Criteria
  • You do not need to have been a UK resident for any specified length of time
  • You may not need to provide any documents, they will inform you when they receive your application
  • You must be 18 years of age or older to apply
  • You must be working full time or part time earning £400 per month
  • You need to have a bank account with a debit card
Default Fees
  • Default Fee - £10.00
Monthly Arrears Fees
  • Arrears Fee - £12.00
Other Fees
  • Collections (failure to repay the loan) - £40.00
  • Express Transfer fee - £15.00
Early Settlement Fees
  • No Early Settlement Fees
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