Lending Stream Payday Loans Compared | allthelenders
WARNING: Late repayment can cause you serious money problems. For help, please visit the Moneyhelper website.
Curve Curve Curve Curve Curve

Apply for up to £1500 with 6 months to repay

Apply Now
Representative 1333% APR

Click here to compare Lending Stream against similar lenders


Maximum APR 1721%. Given a Representative APR is 1333%, if you borrow £200 over 6 months at 292.0% p.a. (fixed), you would owe 6 equal repayments of £64.44. You will repay £386.61 in total. Late repayments may incur an additional charge of £12.

WARNING: Late repayment can cause you serious money problems. For help, please visit the Moneyhelper website.


This loan may be suitable for you if:

  • You want a flexible loan that you can repay in 6 instalments.
  • You want to borrow from a large, well established lender
  • You need the money on the same day (based on approval).

This loan may not be suitable for you if:

  • You have a history of bad credit including recent defaults and CCJ’s.
  • You already have outstanding payday loans or short term loans.
  • You are already in financial difficulty and wouldn’t be able to repay the loan.

How it works...

Apply to Lending Stream using the form below. Applying won't affect your credit score^
Lending Stream will give us an instant decision and, if accepted, you’ll be sent to their website to finalise your loan
If Lending Stream decline your application, we will try our other lenders to see if we can get you a loan elsewhere
If another lender accepts your application you’ll be redirected to their website

^In order to assess your suitability for a loan, lenders may perform a soft credit check, this does not harm your credit score and is not visible to other lenders. If you accept a loan offer, you will be redirected to the lender and they may ask to perform a full credit check.

Start your application to Lending Stream below...


Lending Stream

About Lending Stream

Since 2008 Lending Stream have been offering short term loans to UK residents and are possibly the longest running payday and short term lender in the UK.

Lending Stream are known for their efficient loan service and successful loan applications are usually paid out the same day within minutes of final approval.  You can manage your account online and repay your loan early should you wish to.

If you are a new customer to Lending Stream, first loans are limited to £800 maximum, returning customers can borrow up to £1500 – please note that all applications (whether new or an existing customer) will be subject to credit and affordability checks.

Eligibility Criteria

You must be over 18 years of age.

You must have a take home pay of at least £400 per month

You must be a UK resident with an active bank account and debit card.

All loans are subject to credit and affordability checks.


If you are a UK resident over 18 and meet the application criteria set out above then you may be eligible for a Lending Stream loan.

You can only apply online and you’ll get an instant online decision.  You can make your application to Lending Stream right here and if accepted you’ll be sent to their website to review your loan offer.

The great thing about applying on allthelenders is that if Lending Stream cannot accept your application then we will search our comprehensive panel of lenders to see if any other lenders will accept you, saving you time and helping you to get the loan that you need.

Repaying a Lending Stream Loan

When you apply for a Lending Stream loan they will ask you for your upcoming pay dates and these will be the dates that they collect your agreed payments.

Lending Stream will collect the repayment from your debit card automatically.  If you ever need to check your outstanding balance or make additional payments you can do this at any time by logging in to Your Account which is available on the Lending Stream website.

Once you have repaid your loan, subject to credit and affordability checks you may be eligible to borrow again and you may be offered a higher amount.

GAIN Credit LLC (t/a Lending Stream) is authorised & regulated by the Financial Conduct Authority.