Lending Stream Short-Term Loan
Lending Stream is a direct lender specialising in short-term credit for people who may struggle with traditional banks. Higher rates reflect the higher-risk market.
Last checked on May 17, 2026. We may earn a commission when you click through.
Lending Stream offers a viable solution for those needing quick cash, but the high APRs make it a costly choice.
Lending Stream Short-Term Loan
Updated just now| APR | Amount | Term |
|---|---|---|
| 99.9–1333.0% | £50–£1,500 | 3–6 mo |
Requirements
18+
UK resident
Regular income
Decision
MinutesOur Verdict
Lending Stream offers a viable solution for those needing quick cash, but the high APRs make it a costly choice.
Best For
This service is best for individuals with low credit scores who need emergency funds and may struggle with traditional lenders.
Watch Out
Be cautious of the steep APR ranging from **99.9% to 1333%**, which can lead to significant repayments.
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About this loan
Lending Stream is a direct lender specialising in short-term credit for people who may struggle with traditional banks. Higher rates reflect the higher-risk market.
What Customers Say
Customers generally appreciate quick service but express concern over high repayment costs.
Expert Analysis
If you require immediate financial assistance, Lending Stream could be a potential option. They offer loans between £50 and £1500, with terms from 3 to 6 months. However, the representative APR of 1271% indicates high borrowing costs, translating to £578.36 total repayment on a £300 loan over 6 months.
Our team noted that Lending Stream caters specifically to those with poor credit histories, approving over 50,000 applications monthly. While they are FCA regulated, the approval decision is still subject to affordability checks, meaning not all applications will be accepted.
Customer service experiences vary; while many users appreciate the fast approval within minutes, others have reported challenges with the repayment process. Importantly, applying will not affect your credit score unless a loan is taken out, providing a risk-free way to explore options.
In practice, if you have other borrowing options, it may be wise to consider them before committing to Lending Stream due to the high costs involved. Alternatives like credit unions or peer-to-peer lending might offer lower rates for those eligible.
Lending Stream: When Desperation Meets High APR
With an APR reaching 1333%, Lending Stream's short-term loans are a costly lifeline for those with n…
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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