Lending Stream

Who is Lending Stream?

Lending Stream is a direct lender and has been offering short-term loans since 2008.
On their website, Lending Stream states the following:

“Our belief is that short term credit should be available to cover urgent financial needs.”

If you’re looking for Lending Stream reviews, you can find them on their Trustpilot page, where, as of June 2025, they’re rated ‘excellent’ with an average score of 4.8/5.

Is Lending Stream authorised and regulated by the Financial Conduct Authority (FCA)?

Yes. Lending Stream is a trading name of GAIN Credit LLC, which is authorised and regulated by the FCA.

How much money could I borrow with Lending Stream?

First-time customers can apply for a loan between £50 and £800, while returning customers can request a loan of up to £1,500.

What are Lending Stream’s repayment terms?

Customers can repay their loan over a 6 or 12-month period.

What Representative APR does Lending Stream advertise?

Lending Stream’s Representative APR is 1271%.
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.

How quickly could Lending Stream send my money?

If approved for a loan with Lending Stream, your money could be sent in under 90 seconds. The time it takes for the money to appear in your account will depend on the policies and procedures of your bank.

Could I apply for a loan with Lending Stream?

You can apply for a loan with Lending Stream if you:

Can I apply for a loan with Lending Stream if I have bad credit?

Lending Stream is one of the specialist lenders on the CashLady panel that is willing to consider applications from people with bad credit.

Could I get multiple loans at the same time with Lending Stream?

You could, but this doesn’t mean that you should.
A loan should never be considered a long-term financial solution.
Applying for a loan is not a decision that should be taken lightly and could come with serious risks if not managed correctly.
Falling behind on your repayments will hurt your credit score. In turn, this could jeopardise your chances of being considered for credit in the future.

If you’re feeling overwhelmed by your finances or are worried about your level of debt, please consider looking for free, confidential advice from any of the following organisations: StepChange, MoneyHelper, Citizens Advice, and National Debtline.

Are there any early repayment fees with Lending Stream?

Repaying your loan early could save you money on interest. There are no repayment fees for customers who wish to repay their Lending Stream loan early.

Does Lending Stream charge any late payment fees?

You could be charged a fee if you make a late repayment or miss one altogether. You’ll never be charged more than £12 in fees throughout your loan. You can find out more about Lending Stream’s late repayment charges here.

If you’re finding it difficult to make your repayments, you should contact Lending Stream as soon as you can. Talking openly about money doesn’t come naturally to many of us, but please know that being honest with your lender is the best approach to take.

Lending Stream states the following on their website:

“If you’re having trouble making your payments, or think you might, we’ll be happy to talk to you about options we can offer about your payments. The sooner we know the more we can do. We can work with you to identify the best next option whether that’s a payment break or an affordable repayment plan.”

How can I contact Lending Stream customer services?

Lending Stream can be contacted by telephone on 0203 808 4440*, or through the contact form on the website.
Existing customers can get in touch with Lending Stream through their online account.

*Phone lines are available between 9am and 6pm Monday to Friday, and 9am and 1pm on Saturdays. Call charges apply.

Will customers be given a Lending Stream account?

Successful applicants will be given a Lending Stream online account where they can manage the loan, track instalment schedules, chat to customer services, and make payments.

Lending Stream summary

**The time it takes for the money to appear in your account will depend on your bank’s policies and procedures.