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Lending Stream Short-Term Loan
Lending Stream provides quick access to short-term loans for those who may be turned away by traditional banks. However, the high APR rates should be carefully considered before borrowing.
Lending Stream Short-Term Loan
Updated 4 minutes ago| APR | Amount | Term |
|---|---|---|
| 99.9–1333.0% | £50–£1,500 | 3–6 mo |
Requirements
18+
UK resident
Regular income
Decision
MinutesOur Verdict
Lending Stream provides quick access to short-term loans for those who may be turned away by traditional banks. However, the high APR rates should be carefully considered before borrowing.
✅ Best For
This service is best for individuals with low credit scores needing fast cash solutions without the lengthy approval processes typical of conventional lenders.
⚠️ Watch Out
The interest rates can be extremely high, reaching over 1200%, which may lead to significant repayments if not managed carefully.
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About this loan
Expert Analysis
Lending Stream is a direct lender that focuses on short-term loans, catering primarily to individuals who may struggle to secure credit through traditional banking channels. With a minimum loan amount of £50 and a maximum of £1,500, the service is accessible for those in urgent need of funds. The approval process is notably quick, often completed in minutes, which is a significant advantage for borrowers needing immediate financial assistance. However, potential customers should be aware of the exceptionally high APRs, which range from 99.9% to a staggering 1333%. This means that while the service offers convenience, it also comes with substantial costs.
For example, borrowing £300 over six months could result in total repayments of £578.36 at a representative APR of 1271%. While Lending Stream does consider applicants with bad credit, customers must have a regular income and a UK bank account to qualify. Additionally, the fact that applying does not impact credit scores is a positive aspect. In comparison to other short-term lenders, Lending Stream may have higher rates but offers a user-friendly platform and fast approvals. Users should carefully evaluate their repayment capabilities to avoid falling into a cycle of debt, a common concern with high-interest loans.
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Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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