I really need emergency funds to sort out my outstanding bills and credit card payments. I really appreciate Lending Stream to coming to my rescue. It only took like 60 seconds for my account to be cr... See more
Company replied
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Review summary
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What people talk about most
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Very good naturally intuitive website interface. I have used this company several times when I had unexpected bills and they have been very good. Of course interest rates are high, but I pay off the l... See more
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Fast, No Fuss, Transparent Service. Application Took A Few Minutes. Have Been A Customer On/Off For Several Years And LS Are First Class. Would Recommend Always!!
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Quick,sufficient and simple. Highly recommend it to everyone and anyone who is looking for a loan. Many thanks to the customer service and teams behind the scene for making this transaction a breez... See more
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Company details
About Lending Stream
Written by the company
Lending Stream is a UK-based direct lender. We provide six-month short-term loans to help people manage unexpected expenses.
Since 2008 we have helped over 900,000 customers across the UK. Our goal is to make borrowing simple. That means no hidden fees and clear information.
With Lending Stream:
- Apply online 24/7, with decisions made in seconds.
- If approved, cash is sent to your bank in 90 seconds.*
- No early repayment fees.
New customers can borrow from £50 to £800. Existing customers can borrow from £100 to £1500.
We consider applications with bad credit. We understand life happens and a credit score doesn't tell the whole story.
*It may take longer to reach your account depending on your bank’s processes.
Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378.
Since 2008 we have helped over 900,000 customers across the UK. Our goal is to make borrowing simple. That means no hidden fees and clear information.
With Lending Stream:
- Apply online 24/7, with decisions made in seconds.
- If approved, cash is sent to your bank in 90 seconds.*
- No early repayment fees.
New customers can borrow from £50 to £800. Existing customers can borrow from £100 to £1500.
We consider applications with bad credit. We understand life happens and a credit score doesn't tell the whole story.
*It may take longer to reach your account depending on your bank’s processes.
Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378.
Short term loans from Lending Stream
Written by the company
- New customers can borrow from £50 to £800. Existing customers can borrow from £100 to £1,500.
- With Lending Stream you get 6 months repay, no early repayment fees and we look at more than just your credit history on your application.
- Trusted
- Over 50,000 reviews with 4.8/5 average rating, we are rated Excellent on Trustpilot.
- Convenient
- 24/7 simple & online application. Instant decision. Direct lender since 2008.
- Affordable
- Repay over 6 months. Pay off early with no extra fees and save on interest.
- Fast
- Cash sent to your bank in under 90 seconds, if approved. It may take longer to reach your account depending on your bank’s processes.
- Representative Example: 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. Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk.
Contact info
PO Box 10756, LE3 4GX, Leicester, United Kingdom
- 0203 808 4440
- info@lendingstream.co.uk
- lendingstream.co.uk
4.8
Excellent
35K reviews
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Very easy to navigate the site
Very easy to navigate the site. Very easy to use and be accepted. Funds into my account practically straight away. Great payment plan. Hopefully I’ll pay this off sooner than expected. Thank you!
September 22, 2026
Reply from Lending Stream
Hi Trudi,
Thank you for your 5-star review! It's great to know that the payment plan works well for you, and we love that you're planning to pay it off early - remember, you can make overpayments at any time without penalty, which can help reduce your overall interest. Thanks for taking the time to share your positive experience with us!
Thanks again,
Lending Stream
Great fast service. Thankyou was surprised at how easy it was to…
I was surprised at how easy it was to apply. I needed cash ASAP to get my car on the road for work. It has helped me tremendously thankyou.
September 23, 2026
Reply from Lending Stream
Hi Glynis,
Thank you for your 5-star review! We're so pleased to hear that we were able to help you get your car back on the road quickly. It's great to know our application process was straightforward and that the loan made a real difference when you needed it most.
Thanks again,
Lending Stream
Quick and easy
September 23, 2026
So far what it says on the tin.
So far what it says on the tin.
Its fast, in a pinch and your in need now this is (so far) exactly what you need.
Id give it 5 starts on they pay fast.
My personal cost for using a service that got me out of a pinch, and it was worth the cost... is that I will be paying dubble back.
I cant say this is more than the price to pay for me personally. I did not need much, there is admin costs to do this that may be the same for everyone.
Just because Mr A. pays back £200 to lend £100 dosent mean Mr. B pays back £2000 to lend £1000
But in my case it was twice as much.
That is a high price to pay, however for me, when I needed it, the small amount I needed, it feels worth it.
Money fast, when you need it. As convenient as it is dangerous.
I'd ask yourself, what happens if you dont use this service? Is it worth it? do I need it?
The price is high, but it really did get me out of a pinch. If the catch is just that, its worth it because it was a need.
Needing somthing is not wanting it.
Ill Come back in a few months and comment on things like data sold, spam calls, shark like behaviour... No signs of that so far. Just a x2 cost of the loan.
3.5/5
so far so good, just pricey.
September 21, 2026
Reply from Lending Stream
Hi Sam,
Thank you for taking the time to share such detailed feedback about your experience with us.
We're really pleased to hear that we were able to help you when you needed it most, and that you found our service fast and straightforward. We understand that the cost of borrowing is an important consideration, and we appreciate you acknowledging that short-term loans do come with higher interest rates than traditional lending options.
We always display the total amount repayable upfront before you commit to a loan, so there are no hidden surprises. We also offer the flexibility to make overpayments at any time without penalty, which can help reduce the overall interest you pay.
We're glad we could be there for you in a pinch, and we appreciate your balanced perspective. If you have any questions or need support in the future, please don't hesitate to reach out to us at https://www.lendingstream.co.uk/contactus/ or call us on 0203 808 4440.
Thanks again,
Lending Stream
Process was very easy and got the funds…
Process was very easy and got the funds in less than 10mins
September 18, 2026
Thank you
After a bad start to the year, unfortunately i got into some financial difficulties. I used Lending stream and also MyFinanceclub. I had nothing but issues with the other company resulting into additional stress. They had system issues, sent numerous threatening texts.
Each and everytime i logged into Lendingstream, it was a breeze.... easy, informative and accessible without constant hounding. I have had to take out another loan and didnt stop to think which company to use.... so thank you.... during difficult times, you have made it alot easier.
September 21, 2026
Reply from Lending Stream
Hi Geo,
Thank you so much for taking the time to share your experience with us. We're really pleased to hear that we could provide you with a straightforward and stress-free service during what sounds like a challenging time.
We understand that financial difficulties can be stressful, and we're committed to making the borrowing process as simple and transparent as possible.
We truly appreciate your trust in choosing us again, and we're here to help whenever you need us.
Thanks again,
Lending Stream
The application process was very…
The application process was very simple, clear, and easy to follow. I don't think it could have been made any easier. Well done to the whole team.
September 21, 2026
Super efficient with great customer…
Super efficient with great customer service. Online account is very easy to use.
September 21, 2026
Reply from Lending Stream
Hi Kim,
Thank you for your 5-star review! We're so pleased to hear that you found our service efficient and our online account easy to use. Your feedback means a lot to us.
Thanks again,
Lending Stream
Easy and simple that’s what people like…
Easy and simple that’s what people like me need easy access just pay it back and start again
September 22, 2026
Reply from Lending Stream
Hi Gene,
Thank you for your 5-star review! We're so pleased to hear that you found our service easy and simple to use. We understand how important straightforward access is, and it's great to know we've met your needs.
Thanks again,
Lending Stream
Easy to apply no fuss answer within…
Easy to apply no fuss answer within minutes great service
September 21, 2026
Super fast and efficient really…
Super fast and efficient really recommend for when the unexpected happens
September 5, 2026
Reply from Lending Stream
Hi Byron,
Thank you for your 5-star review! We're so pleased to hear that we could help you quickly when you needed it most. Your recommendation means a lot to us.
Thanks again,
Lending Stream
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