privacy policy
Cashlady speaking to people on the street regarding financial emergencies

Lending Stream Loans

Who are Lending Stream?

Lending stream is a trusted provider of short-term loans in the UK. Operating since 2008, they use sophisticated data led technology to review customer loan applications quickly and efficiently, analysing more than just credit scores.

Offering a flexible alternative to payday loans, a short-term loan from Lending Steam has a loan duration of 6 months, with no fees for repaying early.

This means that you can choose to use a loan from lending stream like a traditional payday product, if you choose to repay within 30 days.

Lending Stream alternative

What is the duration of a Lending Stream loan?

A key benefit of borrowing from Lending Stream is that you have six months to repay your loan, giving you more time to make your repayments than with a payday loan.

If your financial circumstances allow, then you can repay more quickly, which reduces the overall amount of interest due on the amount borrowed.

How much credit can you apply for?

You can borrow between £50 - £800 the first time that you apply for a loan with Lending Stream. If you are an existing customer and your account is in good health (meaning no late or missed payments), then you may be approved for a loan up to £1500.

What is Lending Stream’s loan application process?

The online application process simple and quick, with a two-page form that takes around 5 minutes to complete, including creation of your personal account and bank account verification.

Once your application is submitted, a specially designed Lending Stream algorithm analyses your customer data, allowing the lender to make a rapid loan decision based on your unique situation, not purely your credit score.

You will then receive a decision about whether you have been accepted, alongside the full amount you may borrow.

What are the requirements?

Lending Stream aim to deposit your funds within 15 minutes of approving your loan application, whatever time you apply,24 hours a day and seven days a week, including bank holidays.

What do Lending Stream charge?

Lending stream loans have a representative APR of 1325% and a fixed interest rate of 292%.

How much will you repay?

Representative Example

Representative Example: If you borrow £200 over 6 months at 292.0% p.a. (fixed) then your first repayment will be £33.60 followed by £96.00, £75.84, £66.88, £62.40 and £48.96 the following months. You will repay £383.68 in total.

Repaying early reduces the overall amount of interest and therefore the overall amount that you repay on your loan.

Do Lending Stream charge penalties?

If you fail to repay your loan on the agreed due date, then you will be charged a £15 late payment fee. Lending Stream try to help you avoid this by taking automatic payment from your bank on the agreed repayment dates and sending you reminders in advance so you can ensure that you have the balance available.

Other than that, they offer ‘no fee loans,’ meaning no hidden charges for applications, transactions or early repayment.

Can I repay my Lending Stream loan early?

Yes. Lending Stream encourages you to repay your loan early, if you can. They also make it easy to make additional payments on top of those scheduled, by simply logging into your Lending Stream account online, or using the mobile app for iOS or Android.

Will Lending Stream run a credit check?


As a responsible lender, Lending Stream will run a credit check as part of your loan application, however they take a wider view and will run an affordability analsysis, basing their decision on whether to lend you money on lots of factors, such as your current financial position.

This means that you may still receive a loan from Lending Stream even if you have bad credit, so long as you can afford to comfortably make your repayments.

What help and support do Lending Stream offer?

As a Lending Stream customer, you will be sent regular emails with tips for managing and improving your finances and can also access their ‘Stepping Stones’ blog through the website.

If you need to speak to a member of the customer care team then you can get in touch by calling 0203 564 7028. The phone lines are open from 8 am to 8 pm each day and there is also an online contact form on the website.

Where can you find online reviews of lending Stream?

Lending Stream says that 94% of their customers recommend them. To read a selection of reviews log onto Trustpilot, which is an online business review community providing useful insight from genuine customers to help you learn more about this lender and their customer service.

What are Lending Stream's FCA registration details?

Lending Stream LLC Company Registration No. 4124111 is authorised and regulated by the Financial Conduct Authority, Registration Number 689378. You can check these details by accessing the Financial Services Register online at www.fca.org.uk.

Applying with CashLady

When you apply for a loan through CashLady, your application details will be seen by our panel of lenders, including Lending Stream.

If Lending stream are happy with the details you have provided on your online application form, your information will be passed to lending stream to progress your application directly.

As one of our trusted FCA authorised partners, Lending Stream will be able to answer any questions you may have and make sure that you are fully aware of any important information.

The table below shows some of the differences between CashLady and Lending Stream

Cash Lady Lending Stream
Representative APR% 1272 1325%
Loan Duration 12 months 6 months
Repay Early Yes Yes
Panel of Lenders? Yes No
Loan Options (Number of Lenders) 15 1

How to contact Lending Stream

Lending Stream’s registered UK address is:

Pikes End, Pinner, London, United Kingdom, HA5 2EX

You can also visit their website online at www.lendingstream.co.uk or call them on 0203 564 7028.


I have read and accept CashLady's
  Privacy Policy and Website Terms
I wish to opt in to SMS and email marketing.
Representative 1272% APR
Representative Example
Amount borrowed: £250 for 3 months
Number of repayments: 3
Interest rate p/a: 292% (fixed)
Each repayment amount: £137.21
Total amount repayable: £411.63
Secured By Trustico BCCA logo

Connect with us on Social Media

CashLady is rated 4.45 stars by Reviews.co.uk and Smart Money People based on 1012 merchant reviews