Lending Stream

  • Borrow £50 to £1,500
  • Repay over 6 months
  • Payouts in 90 seconds*
  • * once approved
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Lending Stream logo

About Lending Stream

Lending Stream is owned by the same company that brought you Drafty, the line of credit product you’ll have seen advertised on TV. It positions itself as the short term loan alternative to payday loans – you’ll get your cash just as fast, and have up to 6 months to repay it with no fees or charges if you repay it early.

Loan Summary:


Loans Amount (£) Loan Term (months) Representative APR
50 – 1,500
(new customers up to £800)
6 1333%


Lending Stream’s fast application process can immediately make a lending decision based on your creditworthiness, financial circumstances and the loan’s affordability. If they accept your application their free Express Transfer option can stream the loan to your bank in 90 seconds. You make repayments over a six month period although you can speed this up if you wish without incurring any additional charges.

Lender Ratings:

Lending Stream scores 4.8 out of 5 based on over 25,000 reviews on Reviews.io as of May 2021. This score puts Lending Stream slightly higher up the rating spectrum than the typical short term loan lender.


Representative 1333% APR

Warning: Late repayment can cause you serious money problems. For help, go to  moneyhelper.org.uk.

Lending Stream’s Representative Example

Borrow £200 for 6 months. Representative 1333% APR at 292.0% p.a. (fixed). Monthly payment £64.44. Interest payable £186.61. Total repayable £386.61.

Compare Lending Stream to Others

For clarity here are the key differences of Lending Stream to the “typical” or “average” short term loan lender:


  • No fees if you choose to speed up your loan repayments
  • Once approved, only 90 seconds to transfer the loan to your bank


  • The maximum loan size for new customers is only £800 although returning customers can apply for up to £1,500.

Lending Stream uses “open banking” to help them assess your credit application. In exchange for you giving permission to their application system to view your bank records (to enable an affordability assessment) they can provide a fast and accurate lending decision. Find out more about open banking.

We’ll Find Your Loan

Why trudge from one lender website to the next when Solution Loans can find you the cheapest deals instantly? It’s simple to see why using our comparison service makes sense:

  • We’re free to use and there’s no obligation!
  • We have the widest choice of UK short term lenders
  • Our form takes just a couple of minutes to complete
  • It’s quick and easy to compare lender offers
  • The same deals as going direct, but quicker!
  • Instantly complete your chosen loan(s)
  • Sign your loan agreement online to get the funds fast

Get Your Loan Choices

How to find Lending Stream

Office Address:

Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX

Office Hours:

Mon – Fri: 09.00 – 18.00

Sat: 09.00 – 13.00

Important Links:

Company Information

Company Registration

Lending Stream is a trading name of GAIN Credit LLC. Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA. Registered in the State of Delaware, USA. Registration Number: 4124111. UK establishment office address is Wisteria Grange Barn Pikes End, Pinner, HA5 2EX. Company number FC032134.

FCA Registration

GAIN Credit LLC is authorised and regulated by the Financial Conduct Authority with firm reference number 689378.

ICO Data Protection Registration

GAIN Credit LLC is registered with Information Commissioner, registration number Z2752028.


Instalment Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

Got a Question about Lending Stream?

Answer to Common Questions

How does Lending Stream work?

Lending Stream offers a swift online process that can assess your application instantly. If they accept it they are able to transfer your loan to your bank in around 90 seconds using an express transfer service (no fees). On rare occasions, you may be asked to send them proof of identity, address or earnings. This can be done via email.


Is Lending Stream a direct lender?

Yes, Lending Stream is a lender and not a broker. You can apply to them here.

Are Lending Stream's loans payday loans?

No, a Lending Stream loan is not a payday loan (which have to be repaid in full on your next payday), but a short term loan paid in instalments.

Will I qualify for a Lending Stream loan?

These are the basic criteria you need to satisfy to be considered for a loan. You must:

  • be a UK resident aged 18 or over
  • be in regular employment with a monthly income of at least £400
  • have a valid debit card and an active bank account.

In addition, when you apply Lending Stream will check your creditworthiness and the affordability of the loan you would like. To do this they will use data from a credit reference agency and your bank. On occasions, you may also need to send additional information if they cannot verify everything from online sources.

How quickly can I receive my loan from Lending Stream?

Lending Stream prides itself on having the technology that allows it to send funds directly to your bank around 90 seconds after they have accepted your application and you have accepted their offer.

How do I repay my Lending Stream loan?

When you take a loan from Lending Stream they will set up a continuous payment authority (CPA) with your bank by getting your permission at the time of borrowing. Repayments will be made automatically for six months. You may cancel your CPA but you must provide another means to make the repayments. You can also log in to your account and make a payment directly. You can choose to make early repayments too. This will help to reduce the interest you pay, and there are no fees for doing this.

How can I contact Lending Stream?

You can contact Lending Stream using these methods, by telephone at 0203 808 4440, or via their chat function once you have logged in to your account.


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For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.

OUR REPUTATION Instalment Loans


rating starrating starrating starrating starrating star

Our reputation is great. In fact we have scored 4.6 out of 5 based on 308 ratings & 53 user reviews for our short term loans service.


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Written/Reviewed by: Amanda Gillam

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