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Lending Stream

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Lender Overview

Lending Stream is a direct lender based in the UK that has been offering online short term loans since 2008. Customers can apply to borrow an instalment loan of up to £800 as a new customer or up to £1500 as a returning customer, over a time period of 6 months. Loan applications are made by completing a quick and easy online form. You will need to enter your personal details, some financial information, such as your income and expenditure, as well as your employment details. Lending Stream see themselves as an alternative to payday loans as they allow their customers to repay their loan in instalments over 6 months.

Transfer Time

Lending Stream offers loans 24 hours a day, 7 days a week. If your loan application is approved, the loan funds will be sent to your nominated bank account in under 90 seconds in most cases. Lending Stream transfers their loans via the Faster Payments Service so the funds should be available in your account within a few minutes of the transfer being completed, depending on your bank’s procedures.

Loan Repayment

There are two ways to repay your Lending Stream short loan:

  • Lending Stream can collect your agreed repayment amount on a specified date each month
  • You can make your repayments through your account on their website or by calling them

If you want Lending Stream to collect your repayments for you, they will use Continuous Payment Authority, or CPA, to take your loan repayments automatically from the bank account that's linked to your debit card. It is important that you notify Lending Stream if you change your debit card so that they can update your repayment method. If you want to repay your loan ahead of your scheduled repayment date, you can log in to your account and make your payment online. You’ll pay less overall as they only charge interest for the days that you actually have the loan and there are no early repayment fees to pay.

Application Criteria

  • You must be at least 18 years old
  • You must be a UK resident
  • You must be in regular employment and be earning at least £400 a month
  • You must have a UK bank account with a valid debit card


Lending Stream is authorised and regulated by the Financial Conduct Authority.

Instalment Loan

Min loan amount


Max loan amount


Min loan duration

6 month

Max loan duration

6 months

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Representative Example: £200 loan for 6 months at a fixed interest rate of 292.00% pa. Total amount payable is £386.61 in variable monthly repayments. This is based on the amount of credit plus interest, no other fees apply. Representative APR 1333%

T: 0203 808 4440