Lending Stream Payday Loans

Lending Stream

Lending Stream is a member of the BCCA and the CCTA and has been involved in lending money since 2008. You can apply for a loan from between £50 to £800.

Money is paid back in monthly instalments over a 6 month period. You apply online any time of the day or night, any day of the week, including bank holidays.

Their key USP’s are that they can transfer funds within 4 minutes into your bank account, deposits can happen 24/7, even on bank holidays and the monthly repayments are automatically taken from your bank account.

The Application Process

The online application takes about 5 minutes to fill out. No documents are required although the company may need to verify some of your details by phone or e mail. The key thing here is for you to decide what you want to borrow.  Lending Stream will then do the analysis of whether they want to lend to you based on the data you have provided. If approved, you will get the money into your bank account within 4 minutes.

The company is keen to point out that they are a responsible lender and want to work with people to ensure they put themselves in a better financial position in the future.


To apply for a Lending Stream short-term loan you must be a UK resident, at least 18 years of age, be in regular employment with a monthly income of at least £400, and have a valid debit card and active bank account. If you are self employed you will not be eligible for a loan.

Continuous Payment Authority

Continuous Payment Authority, or CPA, is permission you give Lending Stream when you apply for a loan to collect your loan payments automatically from the bank account that's linked to your debit card. Most people find it easier and more reliable to set up automatic debit card loan payments. This can help you avoid missed payments.

You have the right to cancel CPA at any time; however, if you do you'll need to arrange another way to make payments, such as self-service loan payments through your online Lending Stream account, a standing bank order, or posting a cheque.

How Much Can You Borrow?

You can borrow from between £50-£800 but if you have successfully borrowed and repaid in the past you can be considered for up to £1500.

What is Approval for Credit Based On?

Once you apply online you are credit scored and an analysis is done as to your ability to pay back based on the data you supply.

Are There Any Loan Fees?

There are no transaction fees or early payment fees. But if you miss a payment you may be liable to a £15 charge.

Can You Take Out More Than One loan At The Same Time?

Yes you can. You can apply for another loan whilst paying off an existing one. In fact you can have up to 6 loans on the go at one time.

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