Lending Stream Short-Term Loan
Lending Stream offers short-term personal loans between £50 and £1,500, with APRs ranging from 99.9% to 1,333%. Approval is quick, often within minutes.
Last checked on October 16, 2026. We may earn a commission when you click through.
Lending Stream Short-Term Loan
Updated 1 hour agoAPR Range
99.9–1333.0%
Amount
£50–£1.5k
Term
3–6 months
Type
personal
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Our Verdict
Lending Stream provides rapid access to cash for those with limited options, but the high APRs can lead to significant repayments. This option is best for borrowers who can manage short-term debt responsibly.
Best For
Individuals with low credit scores seeking emergency funds between £50 and £1,500.
Watch Out
The APR can soar as high as 1,333%, resulting in steep total repayments that may not be manageable for all borrowers.
Pros
- Quick approval process
- No prepayment penalties
- Available for individuals with bad credit
- Flexible loan amounts
Cons
- Extremely high APRs
- Potential for unmanageable repayments
- Limited loan terms (3 to 6 months)
- Not suitable for long-term borrowing
Full Review
If you require immediate funds, Lending Stream's application process allows for approvals in minutes. With loans available from £50 to £1,500, it's accessible to many, including those with poor credit histories. The representative APR of 1,271% is if you borrow £300 over six months, you'll end up repaying £578.36.
This steep interest rate means that it's crucial to be certain of your repayment ability before applying. Customer feedback indicates a generally positive experience, particularly regarding the quick approval process. However, the high interest rates can be a shock to new borrowers, especially those unfamiliar with short-term lending.
this option, it’s advisable to read the fine print carefully. Unlike some competitors, Lending Stream does not charge prepayment penalties, which is a plus for those who may want to pay off their loan early. while Lending Stream offers convenience and caters to a specific demographic, the financial implications of their interest rates warrant careful consideration.
Who Is This For?
Individuals in urgent need of funds who have low credit scores and can handle short repayment terms.
What Borrowers Say
Borrowers appreciate the fast approval but often express concern over the high repayment amounts.
Summary
Lending Stream provides personal loans from £50 to £1,500 with an APR range of 99.9% to 1,333% and terms of 3 to 6 months.
About This Loan
Requirements
- 18+
- UK resident
- Regular income
- Bank account
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