Lending Stream Short-Term Loan
Lending Stream offers short-term personal loans ranging from £50 to £1,500 with high APRs suitable for those with bad credit.
Last checked on August 17, 2026. We may earn a commission when you click through.
Lending Stream provides quick access to funds, making it ideal for urgent cash needs, but the extremely high APRs can make repayment burdensome. It's best for those with low credit scores who require immediate financial relief.
Lending Stream Short-Term Loan
Lending Stream
Updated just nowRepresentative APR
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Our Verdict
Lending Stream provides quick access to funds, making it ideal for urgent cash needs, but the extremely high APRs can make repayment burdensome. It's best for those with low credit scores who require immediate financial relief.
Individuals with low credit scores needing emergency funds between £50 and £1,500.
This loan is ideal for individuals facing financial emergencies who have low credit scores and require quick access to small amounts of cash.
Pros
- Fast approval process
- Available for borrowers with bad credit
- No prepayment penalties
- High customer satisfaction rating
Cons
- Extremely high APRs
- Limited borrowing amounts for new customers
- Potential for high total repayment amounts
- Not all applications approved
Watch Out
The high APR, reaching up to 1271%, can lead to significant repayment amounts, making this option costly in the long run.
Loan Details
Requirements
- 18+
- UK resident
- Regular income
- Bank account
In-Depth Review
The company has been lending since 2008 and is regulated by the FCA, ensuring a level of security for borrowers. Approval times are remarkably fast, with applications typically processed in minutes. However, the rates are steep; for example, borrowing £300 over six months incurs total repayments of £578.36, which includes £278.36 in interest.
This is considerably higher than many traditional lenders, which may offer lower rates for similar amounts. Customer service feedback is generally positive, with a Trustpilot rating of 4.8 out of 5 based on over 34,000 reviews, indicating a solid reputation. Yet, be aware that not all applications will be approved, especially in cases of very low incomes or poor credit histories.
Borrowers seeking flexibility may be disappointed, as there is no option for early repayment without penalties. Overall, while Lending Stream is suitable for those in urgent need of cash, the high costs associated with borrowing may not be sustainable for everyone.
Summary
Lending Stream provides short-term personal loans from £50 to £1,500 with representative APRs ranging from 99.9% to 1271%, catering primarily to those with low credit scores.
What Borrowers Say
Customers appreciate the quick approval and accessibility, but are often concerned about the high repayment amounts.
