Lending Stream Short-Term Loan
Lending Stream offers short-term personal loans from £50 to £1,500 with APRs ranging from 99.9% to 1333%, designed for individuals who may have trouble securing credit from traditional banks.
Last checked on October 20, 2026. We may earn a commission when you click through.
Lending Stream Short-Term Loan
Lending Stream
Updated 22 hours agoAPR
99.9–1333.0%
Amount
£50–£1.5k
Term
3–6 months
Type
personal
Study Note
Lending Stream is ideal for those needing quick access to cash, but the exorbitant APRs can make borrowing expensive. It's borrowers who can repay in a short timeframe to avoid high interest.
Best for
Individuals with low credit scores seeking emergency funds who can manage repayment within six months.
Who it's for
Borrowers in the UK with low credit scores needing quick cash for emergencies and who can repay within a short timeframe.
Pros & Cons
Pros
- Fast approval process, typically within minutes
- No fees for early repayment
- Consideration for borrowers with bad credit
- Flexible borrowing amounts for new and returning customers
Cons
- Extremely high APRs can lead to expensive total repayments
- Strict eligibility requirements including proof of income
- Not all applications are guaranteed approval
- Short repayment terms may not suit all financial situations
What borrowers say
Many customers appreciate the quick access to funds, although some express concern over the high repayment amounts due to interest.
Watch out
The high APRs, reaching up to 1333%, can result in significant total repayments, making this a costly option if not repaid promptly.
In-depth analysis
If you need cash quickly, Lending Stream promises a fast online application process with approvals in minutes. Their service targets individuals with poor credit, ccessible for many. New customers can borrow between £50 and £800, while existing customers can access up to £1,500, but be prepared for steep interest rates.
With a representative APR of 1271%, borrowing £300 over six months would lead to a total repayment of £578.36, including £278.36 in interest. This makes it crucial for borrowers to have a solid repayment plan in place. Customer service feedback has been generally positive, with an Excellent rating of 4.8 out of 5 on Trustpilot based on over 35,000 reviews.
However, applicants should be aware that not all requests will be approved, and proof of income is required. Potential users should consider alternative options if they have more time to secure better rates, as other lenders may offer lower APRs for similar amounts. Always evaluate your ability to repay before proceeding, especially given the financial implications of high-interest loans.
Requirements checklist
- 18+
- UK resident
- Regular income
- Bank account
Summary
Lending Stream provides short-term personal loans from £50 to £1,500, with a representative APR ranging from 99.9% to 1333% and terms of 3 to 6 months.
Honest take
While Lending Stream offers fast access to funds, many borrowers may not realise that most will end up at the higher end of the APR spectrum. the lack of prepayment penalties is a plus, allowing for flexibility in repayment if borrowers can secure funds earlier than expected.
Lending Stream offers short-term personal loans from £50 to £1,500 with APRs ranging from 99.9% to 1333%, designed for individuals who may have trouble securing credit from traditional banks.
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