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Lending Stream Reviews 

35,375
•
TrustScore 5 out of 5

4.8

Non-Bank Financial Service
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Review summary

Created with AI, based on recent reviews

Looking at 9,716 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention how fast the application process is, noting that funds are transferred directly into their accounts within minutes of approval. People also praise the intuitive website interface, the helpful support teams, and the straightforward steps required to complete transactions smoothly. However, some reviewers were not happy with loan decisions after paying off their previous balances ahead of schedule. Consumers noted that clearing their loans early occasionally led to being refused new credit or facing unexpected rejections from the provider. Some people experienced difficulties when trying to reapply for assistance following an early repayment.

What people talk about most

User experience

People report positive experiences with user experience, highlighting the extremely easy application process... See more

Service

Clients share satisfaction on service, frequently highlighting the fast and efficient money transfers.... See more

Payment

Reviewers highlight positive aspects of payment, frequently praising the extremely fast transfer of funds... See more

Response time

Customers consistently note positive experiences with response time, highlighting extremely fast service from... See more

Customer service

Reviewers express great satisfaction and appreciation for the excellent customer service and fast assistance... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I really need emergency funds to sort out my outstanding bills and credit card payments. I really appreciate Lending Stream to coming to my rescue. It only took like 60 seconds for my account to be cr... See more

Company replied

Rated 5 out of 5 stars

Very good naturally intuitive website interface. I have used this company several times when I had unexpected bills and they have been very good. Of course interest rates are high, but I pay off the l... See more

Company replied

Rated 5 out of 5 stars

Fast, No Fuss, Transparent Service. Application Took A Few Minutes. Have Been A Customer On/Off For Several Years And LS Are First Class. Would Recommend Always!!

Company replied

Rated 5 out of 5 stars

Quick,sufficient and simple. Highly recommend it to everyone and anyone who is looking for a loan. Many thanks to the customer service and teams behind the scene for making this transaction a breez... See more

Company replied

Company details

  1. Non-Bank Financial Service

About Lending Stream

Written by the company

Lending Stream is a UK-based direct lender. We provide six-month short-term loans to help people manage unexpected expenses.

Since 2008 we have helped over 900,000 customers across the UK. Our goal is to make borrowing simple. That means no hidden fees and clear information.

With Lending Stream:
- Apply online 24/7, with decisions made in seconds.
- If approved, cash is sent to your bank in 90 seconds.*
- No early repayment fees.

New customers can borrow from £50 to £800. Existing customers can borrow from £100 to £1500.

We consider applications with bad credit. We understand life happens and a credit score doesn't tell the whole story.

*It may take longer to reach your account depending on your bank’s processes.
Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378.

Short term loans from Lending Stream

Written by the company

New customers can borrow from £50 to £800. Existing customers can borrow from £100 to £1,500.
With Lending Stream you get 6 months repay, no early repayment fees and we look at more than just your credit history on your application.
Trusted
Over 50,000 reviews with 4.8/5 average rating, we are rated Excellent on Trustpilot.  
Convenient 
24/7 simple & online application. Instant decision. Direct lender since 2008. 
Affordable 
Repay over 6 months. Pay off early with no extra fees and save on interest. 
Fast
Cash sent to your bank in under 90 seconds, if approved. It may take longer to reach your account depending on your bank’s processes.  
Representative Example: Given a Representative APR of 1271%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £96.39. You will repay £578.36 in total. Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk.

Contact info

4.8

Excellent

TrustScore 5 out of 5

35K reviews

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4.8

All reviews

(35,375)

9,675 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 5 out of 5 stars

Thank you

After a bad start to the year, unfortunately i got into some financial difficulties. I used Lending stream and also MyFinanceclub. I had nothing but issues with the other company resulting into additional stress. They had system issues, sent numerous threatening texts.

Each and everytime i logged into Lendingstream, it was a breeze.... easy, informative and accessible without constant hounding. I have had to take out another loan and didnt stop to think which company to use.... so thank you.... during difficult times, you have made it alot easier.

September 21, 2026
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Reply from Lending Stream

Hi Geo,

Thank you so much for taking the time to share your experience with us. We're really pleased to hear that we could provide you with a straightforward and stress-free service during what sounds like a challenging time.

We understand that financial difficulties can be stressful, and we're committed to making the borrowing process as simple and transparent as possible.

We truly appreciate your trust in choosing us again, and we're here to help whenever you need us.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Super efficient with great customer…

Super efficient with great customer service. Online account is very easy to use.

September 21, 2026
Lending Stream logo

Reply from Lending Stream

Hi Kim,

Thank you for your 5-star review! We're so pleased to hear that you found our service efficient and our online account easy to use. Your feedback means a lot to us.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Easy and simple that’s what people like…

Easy and simple that’s what people like me need easy access just pay it back and start again

September 22, 2026
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Reply from Lending Stream

Hi Gene,

Thank you for your 5-star review! We're so pleased to hear that you found our service easy and simple to use. We understand how important straightforward access is, and it's great to know we've met your needs.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Super fast and efficient really…

Super fast and efficient really recommend for when the unexpected happens

September 5, 2026
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Reply from Lending Stream

Hi Byron,

Thank you for your 5-star review! We're so pleased to hear that we could help you quickly when you needed it most. Your recommendation means a lot to us.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Was really satisfied by the service

Was really satisfied by the service

September 18, 2026
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Reply from Lending Stream

Hi Paul,

Thank you for your 5-star review! We're so pleased to hear that you were satisfied with our service.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Really quick and simple to use 👍 early…

Really quick and simple to use 👍 early repayment options available

September 17, 2026
Lending Stream logo

Reply from Lending Stream

Hi Wayne,

Thank you for your 5-star review! We're so pleased to hear that you found our service quick and simple, and that you're making use of the early repayment options. Your feedback means a lot to us.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

I highly recommend this loan company.

I highly recommend this loan company.
Yes okej

September 17, 2026
Lending Stream logo

Reply from Lending Stream

Hi Łukasz,

Thank you for your 5-star review! We're so glad to hear that you're happy with our service and appreciate you taking the time to recommend us.

Thanks again,
Lending Stream

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