Rating based on 21 reviews

Lending Stream


  • Quick loans up to £1,500
  • Low-interest starting from 1333%
  • Repayment up to 6 months

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Lending Stream homepage

Author Lending Stream. Screenshot of Lending Stream website. [Accessed September 4, 2019]

About Lending Stream

Landing Steam started offering short-term loans in 2008. Since then we've got better and faster at streaming loan, assisting more people to find the financial help they need.

If agreed we can send capital to your bank in less than 90 seconds. We provide six-month loans because we trust that it's a more practical timeframe to repay them.

Apply for a loan today

You can apply for up to £800 as a new consumer or up to £1500 as a returning consumer. You can apply either on our website or by using our app. We believe that short-term credit can be a good thing, available to assist when you need it. We also trust that having financial difficulties in the short-term doesn’t necessarily mean you’re bad with credit.

Drafty is our sister trademark

They’re a little younger with a bit more of a moderate fell and a different motion to loaning – they provide credit lines instead of loans. This means you have a line of credit accessible to you which you can use whenever you want to, without having to re-apply. If you’re interested in finding out more information, just go to drafty.co.uk.

Lending Stream Services

If you want to apply for a short-term loan with Lending Stream you’ll need to be 18 years old, residing in the UK and in regular employment earning at least £400 a month.

You also need an authentic debit card and an active bank account. Or you can get started with an online application and get an immediate decision.

How does continuous payment authority work?

Continuous payment authority (CPA) is a way of making instalments on your loan it means you give us consent to collect payments automatically from the bank account that is associated with your debit card. This set up when you apply and can assist you to avoid missed payments.

Get rid of debt

If you do so you’ll need to organise payments in a different way, such as online payments via the Lending Stream app or website, a solid Bank order or even posting a cheque. If your loan payment is unsettled please contact us so we can assist you with a debt consolidation loan.

Lending Stream Product Details

  • Loan Type Quick loans
  • Interest Rate from 1333%
  • Loan Amount up to £1,500
  • Repayment 6 months

Summary of Services

  • Quick funding
  • Bad credit is welcome
  • No penalty for early settlement

At Lending Stream you'll get a decision fast

Lending Stream offers short term loans that you can pay back over six months.

It means that the amount can be spread out with instalments you may find more affordable than trying to pay back the total amount back a month later. If you want to apply for 6-month loans you can do it right now it only takes minutes and you'll get a quick decision in most cases. We also accept loan applications from clients with a bad credit history.

What are short term loans used for?

Short-term loans can be used for all kinds of things, but the most costly the loan, the more likely it is to be a payday loan. In fact, many short-term loaners are prohibited from advertising that loans can be used for 'frivolous' purchases like opulent items or holidays. They’re also not created for typical usage as that can become more expensive.

The repayment period

There’s no particular time period, but normally when people talk about ‘short-term loans', they’re for less than a year. They can align from a day or two up to a full year. Anything within those time spans would normally be regarded as ‘short-term’.

How would you pay short-term loans back?

They're normally paid back via ‘continuous payment authority: (CPA). This is like a Direct Debit in a way and it's set up when you first take out the loan. It gives the loaner consent to take instalments from your bank card on the due date. This can be cancelled if needed by contacting the loaner or your bank and removing the authority.

Customer Reviews & Testimonials

March 2019

Quick and efficient online application, I got my loan on the same day

Peter C
— London —

July 2018

My loan was paid into my account quickly. I did not expect that

Chris W
— Manchaester —

Lending Stream Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Lending Stream, PO Box 10756, LEICESTER, LE3 4GX

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed