Lending Stream

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Company Information

  • Company Name:
    Lending Stream
  • Website Address:
  • FCA IP:
    643942
  • Business address:
    Lending Stream, Wisteria Camrose House, 2A Camrose Avenue, Edgware, Middlesex, HA8 6EG
  • Phone number:
    0203 564 7028

Those who are looking for short term assistance with financial burdens can rely on the quality financial products offered by Lending Stream. Lending Stream offers short term instalment loans that can be used for any expenses the borrower needs assistance with. Small loans from Lending Stream are straightforward and easy to pay off. The excellent customer service offered by Lending Stream regularly garners recommendations by previous customers.

APPLICATION REQUIREMENTS:

United Kingdom residents who are over 18 are eligible to apply for a Lending Stream instalment loan. Applicants also need to have active bank accounts and be employed and earning at least £400 per month.

LOAN AMOUNT AND CHARGES:

Loans from Lending Stream can be between £50 and £800. However, if borrowers have already taken out a loan with Lending Stream before, they may be approved for up to £1,500. Loans from Lending Stream have a representative APR of 1,272%. A borrower would pay £191.68 in interest on a six month loan for £200. In addition to interest charges, there are also two possible default charges that could be applied to borrower’s accounts if payments are not made on time. The first time a payment is not made on time, a default charge of no more than £15 can be charged to the account. Afterwards, a further default charge of £15 will be applied to the account.

PROCESS:

The first step in the process is filling out Lending Stream’s simple and straightforward online application. Once this is filled out and submitted, applicants will get a quick decision. If the applicant decides to go through with the loan, loan funds will be put into his or her bank account immediately by money transfer. Lending Stream will send out the funds within four minutes of receiving acceptance of the loan agreement and bank account information from the borrower.

PAYMENT:

Repayment is simple with Lending Stream. On every pay date, payments will automatically come out of the borrower’s bank account so that he or she doesn’t need to remember anything. This makes it easy to avoid forgetting payments and incurring late payment charges. Lending Stream offers helpful online features by posting borrowers’ payment statuses and payment history on their online account pages.

100 Reviews of Lending Stream

Lending Stream instalment loans are basically a better form of payday loans. You are still paying a higher than average interest rate but you are given longer to repay. Thats the best thing about these loans and now thatIi have used Lending Stream a few times now I know they are a much better alternative for me. I haven't sat down and worked it out precisely but I am sure I have saved quite a bit of money by using Lending Stream and borrowing slightly more than I would with a regular payday loan because I would definitely have taken out more payday loans over the same period of time. So basically what I am saying is that 2 instalment loans from Lending stream work out cheaper than 4 or 5 payday loans for the same total amount of money borrowed.

Review posted by Jenni Cockburn, Slough

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I paid for this years ski trip with an instalment loan from Lending Stream. I knew a regular payday loan wasn't going to be practical and so I opted for this type of loan and I am really glad I did because it allowed me to borrow more than enough for the ski trip and having 3 months to pay it back meant there was no pressure and I could easily afford the repayments which hasn't always been the case with previous payday loans. Unless I just wanted to borrow a small amount to just tide me over until the end of the month I think I will always use instalment loans from now on and at the moment that would be coming courtesy of Lending Stream if I'm lucky.

Review posted by Nathan Clarke, Bicester

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Lending Stream suit me because they are quicker at processing your loan application and they are less fussy about your credit history and its more about your earnings when they approve the loan amount. You can't really blag a bigger loan if you don't have a salary that will make it affordable so I wouldn't even try it.

They might not be the cheapest but they are responsible and wont lend you loads of money that you might have a problem paying back. The repayments come out of your bank automatically each month so I haven't missed a repayment since I've been using Lending Stream and thats another good reason for me to use them.

Review posted by Richie Johnson

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This is the first time I have used Lending Stream. I use payday loans occasionally but only for small amounts that I can pay back easily the next pay day but the amount I have borrowed from Lending Stream would not have been possible with a regular payday loan and so I had to look at the instalment loans this time.

I would use Lending Stream again because even though I am paying quite a high interest rate it is so much better being able to make the repayments over a 3 month period and this loan has actually saved me from having to take out payday loans in quick succession because I planned ahead for once and realised I would be needing a bit more spare cash than I initially thought. One instalment loan instead of 2 or maybe 3 payday loans worked out cheaper for me. I will bear that in mind in the future.

Review posted by Chloe L., Essex

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I reckon I'm like a lot of other people that use Lending Stream and use them because they are really quick and easy. However, they're like a payday loan but as well as being as fast as a payday loan they give you more options with the repayments. So some loans might be too much for me to afford with one repayment but with multiple repayments i can afford them easily . There's no point in me taking out a loan that I am going to have trouble repaying. With a Lending Stream instalment loan that is never a worry for me

Review posted by Jason Roscoe, Hillingdon

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It was my sister's friend Lisa that got me on to instalment loans in the first place but since that first one I've changed lenders and have been using Lending Stream. Once I had seen the loan comparison website I realised I didn't have to rely on her recommendation and soon found that Lending Stream was actually a much better lender for me. One of the things I like about Lending Stream is the speed with which they can get your money to you. I have had a couple of emergencies where I needed extra money fast and Lending Stream were able to help me out. I don't think I would use a different lender unless Lending Stream changed things . I always check first before applying for another loan just in case but so far they have stayed the same and so I am really pleased about that.

Review posted by Megan Farrowdale, Lambeth

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Going back to a one off payday loan would not be an option for me anymore since I found instalment loans working out better for me. I don't always have to borrow large amounts but they are usually more than I would take out with a one off payday loan so it really wouldn't be worth the hassle of having to find the full loan amount in one go at the end of the loan period. Lending Stream instalment loans give me time to get my act together and make sure I have the money for the repayments each month and so I am not going to give that up and go back to payday loans.

Review posted by tony j., Islington

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I have two good reasons for using Lending Stream for the occasional instalment loan, 1. they get the funds to your account a lot quicker than most of the other lenders I have used and 2. the default charge is much lower than most other lenders.

I haven't got caught out with a default charge yet because I make sure my account has the money to cover the instalments each month but just in case something unexpected happens and I miss a repayment I wont be hit too hard as a consequence of it.

Default charges are one of the biggest drawbacks to any sort of payday or instalment loan and so for me it is an important factor to consider when I was choosing an instalment loan company. Lending Stream covered both of my main requirements so thats why I chose them.

Review posted by Charlie Denton

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I tried a few payday loans in recent years and didn't really feel relaxed about them. Too much interest for such a short period of time. Now instalment loans are a much better alternative for me because even though I am still paying quite a hefty interest rate on the loan I do have the benefit of being able to make several smaller repayments instead of that one big payment at the end of the month.

From now on I will use instalment loans instead of payday loans and as Lending Stream are fairly competitive and are quick at transferring the funds into your bank account I think I'll probably keep using them for the time being.

Review posted by Rhona Sheridan

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Lending Stream is the loan company I have to use because of my past bad credit history. The interest charges are higher than a lot of the other loan companies but because I know I will be approved for a loan with them it is worth it for me. I only take out loans once or twice a year with them to help with cash flow problems when large bills need paying all at once. As long as I can make sure there is enough money in my bank account for the automatic repayments each month then that is the main thing otherwise I would not borrow the money as it would just add to my money problems instead of helping to solve them.

Review posted by Annie Chisholm

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Lending Stream are a bit more forgiving than other loan companies when it comes to bad credit history. I applied for loans with several other companies because their interest charges were slightly less but because of my credit history I was turned down.

Now that I have had my loan approved by Lending Stream after days of worrying about where I was going to get the money from I honestly dont mind having to pay the interest charges as I think it is worth it for the peace of mind I feel now that I can sort out my temporary cash flow problems and pay some outstanding bills.

Review posted by Chas. D.

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I dont use credit cards anymore after I got into some problems with them a little while ago. so when I needed to borrow some money to help pay for my parents Ruby Wedding anniversary party that my sister insisted on organising I went to Lending Stream because I knew I could get a loan with them. They arent as strict as some other loan companies and so long as you meet their application requirements you are more than likely to be approved for a loan. This is my third loan with Lending Stream and I am just glad that I can rely on them when other companies have turned me down.

Review posted by Ed Fairbrother

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After years of badly managing my finances and running up huge credit card bills I have finally got my act together and sorted things out. But I still occasionally need to borrow money for unexpected and usually unavoidable things like flights to Ireland every time my parents are taken ill or worse still when my poor mum died and I had to get there as soon as possible to help my dad who was in a terrible state.

I have been using Lending Stream for my loans as they have a fairly simple loan application requirments and my bad credit history doesnt matter. If I didnt get their fast loan approval and money transfers then I would be in real trouble so I just want to say thanks for helping me out.

Review posted by Graham Coates

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I have used Lending Stream several times as they are one of the few loan companies that will let me borrow up to 1,5000 quid without making me jump through hoops to get it.

As long as I keep working and earning the sort of money that I do at the moment I know I can get a loan from Lending Stream. The interest rates are a bit higher than some other companies but because I have had bad debts in the past those companies wouldn't lend me the money anyway. so Im happy to pay extra for the convenience of a loan that I know will be approved without too much hassle.

Review posted by Ian B.

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It does happen too often thankfully but when I need to borrow extra cash in a hurry I go to Lending Stream for a short term instalment loan. My friend put me on to them last year when I was having problems getting a loan elsewhere because of my credit history.

Lending Stream arent the cheapest for interest charges but they also arent too strict with their application requirements and provided you are in regular employment and have earnings above the required minimum amount that are paid into an active bank account then you should be approved for one of their loans.

Review posted by Keith R.

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When I needed to buy myself a new suit and pay for a honeymoon for my wedding I couldn't rely on credit cards to help me out as I had maxed out on all of them wooing my future wife when I was trying to impress her when we first started seeing each other. I have paid most of them off now but didn't want to start married life with that sort of debt.

My best mate and Best Man of course, suggested getting a short term instalment loan. I took his advice and went with Lending Stream as they were a lot more relaxed about my previous spending with credit cards than some other companies were. I was able to get the loan in time to sort out a suit and get a decent deal on a week for two in Venice and to top it all I managed to blag the Honeymoon suite at the hotel for no extra charge.

Review posted by Michael Randall

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I borrowed money from Lending Stream when I needed to pay the vet fees for my dog when she was hit by a car a few weeks ago. I did originally have pet insurance for her but when she reached a certain age the cost went up considerably and I decided it would make more sense to just pay the vets bills if and when they arose.

I hadn't bargained for the awful thing that was going to happen to her but I would do anything so that she could be treated rather than just let her die.

My neighbour recommended Lending Stream when she heard that I needed to get the money quickly and I am so glad she did because I got the loan approved and the money paid into my bank account in less than 24 hours and the vets were able to save my precious dog's life and she is making a brilliant recovery.

Review posted by Olive Jenkins

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Thanks to a loan from Lending Stream I was able to book a last minute flight to Gibraltar to see my dad after he had been rushed to hospital with a suspected heart attack. My mum was distraught over the phone and I needed to get to her as quickly as possible.

As usual I was broke as it was a week before payday and I had blown all my spare cash. So my flat mate told me to get a short term payday loan and as I had never had one before she helped me with the application. I didnt have time to check out all the loans on offer but just went with Lending Stream because it seemed very straightforward to understand their application requirements and loan amount and charges.

I am pleased to say I got the loan and got to see my dad before he went into surgery. He is making a good recovery and so I just want to thank Lending Stream for their help in what was a very stressful time for me.

Review posted by Rita M.

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My wife's birthday couldn't be at a worse month of the year for my finances. We always like to go away to her parents villa in Spain for the whole of August and as I am self employed it means I am not earning as much while we are away. Then when we get back I have less than a week to get her a nice present which usually has to have some designer label on it.

I've solved the problem now by just organising an instalment loan with Lending Stream as soon as we get back from our holidays to pay for the present and then I can concentrate on earning a living for me and the family.

Review posted by Steve Pollack

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Even though I am a single parent to two teenage girls we manage to get by without struggling too much. I have a full time job and the girls are great at helping out at home as I am usually shattered by the time I get in the evening.

We can afford the occasional treats and I always manage to save enough to get them something nice for birthdays and xmas but we haven't had a proper holiday since I split up with their dad and I wanted to have one before they became too old to want to go on holiday with thier mum.

My friend at work said I should just get a loan and surprise the girls with a week in Spain before they go back to school. So thats what I did and with the money from a short term instalment loan from Lending Stream I was able to get a last minute hotel and flights package deal and still have a bit left for spending money.

Review posted by Tina Mc.

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No more credit cards for me after getting my fingers burnt with a few of them. I decided that as I earn good money I will just pay for things with my debit card and when I need a bit of a cash boost once in a while to help with buying more expensive things I will use a short term instalment loan.

I've been doing this for about a year now and this is my second instalment loan with Lending Stream and because I know it will be paid off well before Christmas I am not worried about finding things difficult in the run up to it when the wife and kids start dropping not so subtle hints about what they want to find under the tree Christmas morning.

Review posted by Matt Bryant

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I have just paid my last instalment on my loan with Lending Stream. I had never had an instalment loan before and wasn't sure what I was taking on but the truth is I needed the money urgently and didn't dwell on the overall cost of the loan. All I cared about was getting the loan as quickly as possible at a repayment amount that I could afford and that is exactly what I got from Lending Stream.

I don't know if I will need another loan like this in a hurry but if I do I will probably got to Lending Stream again. Better the devil you know, as the saying goes!

Review posted by Lynda B.

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I borowed the money from Lending Stream to pay for a new guitar. My parents said wait until next year and they would give me the money from one of dad's pensions but what can I say, Im 23 and cant wait around for things. I come from a generation that has to have every thing yesterday and Im quoting my mum on that!

I knew I could make the repayments so I didn't take my parents advice and I have my guitar and Im not having problems with the repayments but I will remind dad of his offer next year when I might just want to buy a new phone.

Review posted by Zachary

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I applied for a short term loan with Lending Stream because my friend was selling her leather sofa which was practically brand new but was too big for her new flat.

My flat isn't much bigger than her new one but my living room is surprisingly large compared to the rest of the flat and so I knew her sofa would fit nicely. She needed the money quickly and so I didn't hang about and got the loan with Lending Stream because I had used them before and new how quickly they could approve a loan and get the money to you. They didn't disappoint and so I have a lovely nearly new sofa at a very reasonable if not quite 'knock down' price.

Review posted by Gina Thomas

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My new girlfriend lives in Brighton and I live in Essex and so we tend to have our dates in London. We met at a bar in London near to where we both work and the cost of always having to pay London prices for drinks and restaurant meals other than the standard burger restaurants was taking its toll on my wallet and I have found myself struggling to get through to payday.

I decided to buy a second hand car just so that I could drive to Brighton for our weekend dates and needed to get some cash quickly when I saw the ideal car for sale in my local paper.

Lending Stream gave me the loan I needed and I within a couple of days I had my car and couldn't wait to surprise my girlfriend by suggesting we have our next date in Brighton.

Review posted by Hugh WJ

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I really like my job and even though my basic salary isn't great I do get an annual bonus which generally makes up for it. However that doesn't stop me having to rely on the occasional payday loan which I tend to use for things like holidays.

If I need to borrow the money in an emergency I always use Lending Stream because I know I can get the money within 24 hours and that is a great plus point for me when considering a loan company. I justify the interest charges because I would rather pay them than not have the money at all. Its as simple as that really.

Review posted by Owen L.

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I took out this loan with Lending Stream because I was in a bit of a tricky situation with my ex girlfriend regarding the holiday we had booked but had to cancel when we split up. I just wanted to get her off my back and the short term instalment loan was the best option for me as I didn't have any other way of getting the money fast.

Lending Stream approved my loan and transferred the money into my bank account almost immediately which meant I could give my ex the money she wanted and just move on with my life which hopefully she will too.

Review posted by Reece Baker

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After a massive row with my best friend over her refusal to ditch her lying, cheating boyfriend she demanded I pay her back immediately the money I had borrowed from her a couple of months ago. She knew I would struggle to get the money that quickly and I was upset that she do this to me but my pride wouldn't let me beg for more time so I just my head straight and found a short term loan company that would give me the money quickly.

Lending Stream did just that and because I was able to give her the money back and hold my head high I wish I had gone to Lending Stream instead of borrowing the money from her in the first place.

Review posted by Pippa Norton

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My daughter is a trainee nurse and works really long hours and doesn't seem to have much to show for it at the end of the day. Her dad and I work full time but we dont' have a lot of spare money but we decided we really wanted her to have a nice break from her work and studying so we took out a loan with Lending Stream so that we could pay for her to visit her brother in California. We knew she would be able to stay with him and his wife so we just needed the money for her flights and a bit of spending money. Lending Stream gave us the loan and the look on our daughters face when we told her what we had done for her was worth every penny.

Review posted by Maureen O.

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It is the second time that I borrow money from Lending Stream . The first time was at Xmas 2 years ago to buy my husband a nice Iphone and to spoil my child with a brand new bicycle. I paid it back quickly over 3 months and during that peirod the installments were the excat amount that they stated and I never paid extra costs, so I was pretty happy.
Last week I applied again for a loan but this time I asked for £1200 as its my daughters 21st birthday and she asked for a beautifull piece of jewellery as a present.
With the advice of Lending stream I took the loan over 12 months so not to feel under pressure.
The installments I will be able to meet comfortably so Im grateful for their support.
This company can be relied on.

Review posted by Mathew Smith

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I am a rugby fan and the rugby world cup starts next week. There is no way I can resist going to watch and support my country.
Tickets are expensive and we have to book into a hotel too.
All in all it will cost for my wife and I, a considerable amount, so I made the decision to take out a loan from Lending Stream.
I have used them before and consider them to be very good with their clients. Professional and quick at approving , or according to my friend, denying a loan.
So I applied on line for £900 and my repayments I agreed would be over 12 months.
Im willing to pay the price of the interest as this will be a special time for us.
Thank you Lending stream.

Review posted by Roger Anderson

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My daughter Lydia is only just turned 17 and has started her first job as an apprentice in our local hair salon. She doesn't earn a great deal but she is very careful and responsible with her money. That's why I have no qualms about taking out this instalment loan in my name but it's really for her to go on holiday with her friends for the first time since leaving college and starting this job. I'd used Lending Stream once or twice myself in the past couple of years and I really like their simple and fast loan process. I'm borrowing the money but my daughter will be paying me back each month. When she is old enough to take out her own loans I'll be keeping a check on her just so she doesn't get into any difficulties and if she chooses Lending Stream I don't think she will go far wrong.

Review posted by Linda Frost, Sittingbourne

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This month I ran into a financial situation and needed to borrow£600 quickly.
It was a challenge to decide who to borrow from as I found the choice of loan companies to be extensive.
I finally applied with Lending Stream at the insistance of my sister who claimed to have borrowed from them 3 times already with no complications.
I folowed suit and was convinced as I saw there were many good recommendations about them.
I just wanted to share with others my experience which was smooth and headache free.
Hope to not have to borrow again but if I have to, it will be with Lending Stream.

Review posted by Ian McEnroe

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I don't mind admitting that I use instalment loans quite a bit because I don't think it is a bad way of being able to afford things that you'd otherwise have to save up for. I used Lending Stream for the first time 6 months ago to pay for a new lawnmower and strimmer which I needed for my job as a gardener and if had taken the money from the family budget we would have had a very lean month. Instead I used this instalment loan option and we hardly missed the monthly repayments. For me this is the best way of affording those more expensive outlays and Lending Stream are my favourite lender at the moment. This current loan is to buy the wife the garden furniture she has been wanting for a while and she is very happy now which makes it even more worthwhile.

Review posted by Pete Davies, Hemel Hempstead

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This is my first time using Lending Stream although I have had several instalment loans before now. I chose them after a friend recommended them. They had just used them and as they have tried most of the lenders on the market they are a bit of an expert on where to find the best loans. I have to agree with their choice as Lending Stream are not only very competitive with their rates but their loans are really quick and easy to apply for and once lending Stream get your loan agreement acceptance back they get your money to you in a matter of minutes which is brilliant. No hanging around just a quick and efficient lending service so I think I'll be recommending Lending Stream too.

Review posted by M. Newton, Kidderminster

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My name is Greg Marshall and I live in Manchester.
Last month I went with some mates to Dublin for the weekend . Loved it. Loads of good pubs and nice girls.
We spent a load of cash but what the hell, money is to be spent.
I was a little short to pay my bills as I spent more than I expected.
Applied for a loan on line with Lending Stream and although I'm only 18 years old they approved it.
With the £200 loan I paid the bills and still had enough for a few drinks.
I congratulate them for approving it so quickly.
The repayments over 4 months will be OK for me , but I could have taken the loan over a longer period of time if I wanted.

Review posted by Greg Marshall

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I was not aware that loan companies lent as little as £50.
I earn a reasonable wage and never actually struggle.
I live with what I earn and Im fine with that.
Recently I got carried away with some friends who took me gambling and for the first time ever a week from payday I was out of cash.
My friends suggested I borrow from Lending Stream as they claim they do it when they are stuck too.
I applied on line 4 days before pay day and within like 72 hours they had approved it and upon telling me so, I waited only like 5 minutes for the funds to arrive in my bank. Cool man!

Review posted by Spencer Boyle

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Don't bother with this company! I have been loyal to lending stream and have always paid back the money in full and early. Paid to big loans straight away and now they will not lend me any more? For no reason at all they have declined my application. I will now stuggle to pay my bills now because I did the honest thing and paid my loan back, thinking lending stream would assist me with another loan. I really do not understand how they work but they will mess your finances up! Stay away! stay away! Stay away! Stay away! Stay away! Stay away! Stay away! Stay away! Stay away! Stay away!

Review posted by Aaron Bennett

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It is good to know that when we are struggling and stressed as we need some extra cash, there is always a reliable company like Lending Steam to give you a hand.
I needed them last month when I realised that because of buying an expensive set of golf clubs.
Applying on line was a simple quick process. Deciding over how many months to take the loan over was basically what I had to think about for a few minutes, but decided on a longer period of time as that way we dont feel it as much.
The funds were deposited with no delay.
I really cant fault the whole process, so I guess this company is one that can be trusted.

Review posted by Michael Reed

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Im Laura Birch and recently needed a loan of £600 to buy a new Iphone as my broke and it was not under guarantee any longer.
I decided to apply for a loan via Lending Stream as they do something that is very helpful to give us a good credit reference.
They post payment statuses and our payment history on our online account pages, which is valuable proof for the future that we are good payers.
This goes a long way when we need a loan for something bigger.
I got my loan, it was approved and Ill pay it over 3 months which suits me fine. Cant complain!

Review posted by Laura Birch

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Im a young man that has only worked in a full time job for 7 months.
Its not a highly paid job but they are reliable and I earn enough to live OK.
Last month I went away for a romantic weekend with my girfriend and spent £50 more than I expected.
Love does strange things and I forgot to pay my phone bill... so had to borrow it as I could not allow my phone to be cut .
I actually thought I had paid the bill before going on our weekend break but when I got home I realised I only had 2 days left to pay it.
I chose Lending stream as they state that the money is in your account in less than 4 minutes so as I was in a rush I put them to the test.
Indeed it was 3 minutes...I timed it.
Good to see its not all talk...and they are that fast!
Paid them back before the due date in one payment . Tks Lending Stream.

Review posted by Peter Reagan

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At my last visit to the dentist, he told me that unfortunately I needed some quite extensive work doing. My health insurance doesn't cover dental work, and I knew it was likely to be expensive. As you only get one set of teeth, it wasn't something I wanted to take a chance on, so agreed to have the work carried out. When I got home I got straight on the Internet in the hope that I could find a solution to pay for it. Lending Stream actually came up as an ad on one of the regular sites I use, so I went to their website and entered my details to see if I was eligible for a loan. Thankfully I was, and from then on their service was very efficient and uncomplicated. I didn't shop around a lot in order to find the best deal, but know that I got a good rate with Lending Stream.

Review posted by Harper Bond

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I live in an old, long time ago renovated cottage. A great place with a great atmosphere though. But with the purchase years ago the broker warned me for the ceiling of the masters bedroom. A beam showing some significant cracks and bending down caused me some trouble and water a week ago. Cost of repair: £600. My salary which covers all monthly expenses does not allow me to pay for it immediately as my savings were into other projects.

Surfing the Internet finally showed me there were a couple of solutions with the assistance of installment loan companies as one of the best. Lending Stream's, number 1 on a long list seemed the best for me to go along with so I called.

Now, one week further I can say it probably was the best decision I could make. No hustle, no tricky words between the lines. Just straightforward the best offer. The beam is fixed and it stopped raining inside. All thanks to Lending Stream. An extra benefit was the helpful Customers Service who guided me through all options in a very satisfactory way.

Review posted by Tommy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Any quick, short term loan is likely to come with a much higher interest rate than you would like but if that's your only option for getting a small loan in an emergency then I would certainly recommend Lending Stream.

I have used Lending Stream a couple of times now when I have needed cash in a hurry and they are a much better alternative to payday loans which don't always give you the time you need to repay the loan and you end up struggling to make the repayment thus causing yourself even more problems.

I know I am paying quite a high interest rate with my loans from Lending Steam but it is worth it in the long run because I find I can repay the loan with ease and get myself back on track within a couple of months.

Review posted by Helen Cleaver, Eynsford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Lending Stream were very specific about how quickly they would be sending the funds to my bank account. Within 4 minutes to be precise. Well I wasn't that desperate for the money that 4 minutes was going to make me feel better, as long as I got the money within 24 hours of accepting the loan agreement I would be more than happy. But this precise timing would presumably apply also to late repayments, so I was happy to agree to automatic payments coming straight out of my account on the same day that my salary gets paid into it. That way I should never get caught out with a late payment charge which would make the cost of this loan even higher. That's the last thing I want to happen on a loan that is already charging an APR of more than 1,000%!

Review posted by Robert Sturgess, Wickford, Essex

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As this is my second loan with Lending Stream I was able to borrow more, almost double the maximum amount for first time borrowers. This came in really handy for me as I had just got back from my holiday and had to very high unexpected bills waiting for me. If Lending Stream hadn't offered me the higher loan amount I would have had to look elsewhere for the extra money and that would have complicated matters for me. Being able to borrow that higher amount felt a bit like a loyalty reward and I am very grateful to Lending Stream for offering that option to me. So I just want to say thanks to Lending Stream for saving me a lot of bother.

Review posted by Simon Didcot

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This has been my first loan with Lending Stream and now that the final repayment has been made I just wanted to say how satisfied I have been with the overall experience. In particular the help I got from the Customer Services department when I was having some problems with my online application. Not everyone is proficient in computer skills like most of the younger generation seem to be but my difficulties were easily sorted out after a call to their customer services department. I may well use Lending Stream for another loan and I am sure I will be much more confident with the online application process next time.

Review posted by Jenny Baldwin

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I like using Lending Stream for my occasional payday loans because they never let me borrow more than I can easily pay back. I also like the fact that my repayments come out of my bank account automatically each month so I don't have to worry about forgetting payments and getting late payment fees which has happened to me with other loan companies. When a friend asked me to recommend a loan company to them recently I didn't hesitate to say Lending Stream and I wouldn't do that with some of the other loan companies I have used in the past.

Review posted by Sandy Fletcher

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I told some friends that I had recently taken out a loan with Lending Stream and that they were a really good loan company for someone like me they said I should post a review to say how satisfied I was with the service I received. So that is what I am doing now. I hope people read this before making their choice and if they get the same deal as me which was the amount of money I needed to borrow and repayments that I could easily afford, then I dont think they will be disappointed. The interest charges on any type of payday loan is always going to be the hardest thing to swallow but how else are these companies supposed to make a profit.

Review posted by Yvonne Chambers

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I have finished paying off my current loan with Lending Stream next month I am going to apply for another one to help me with my Christmas shopping expenses. I would rather get all my present using an instalment loan with Lending Stream than to run up massive credit card bills which I have done in the past and got myself into loads of financial trouble.

The fact of the matter is Lending Stream will only lend me what I can easily make the repayments on and as the repayments are taken automatically every month I dont have to worry about missing a repayment and getting extra charges for late payments. It suits me to borrow money like this at the moment and when it no longer does I will stop using them. Its as simple as that.

Review posted by Danni Spencer

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have used quite a few loan companies in recent years as I like to shop for England as my husband says and because I work full time and don't have to get his permission I spend my money the way I want to and if that means having to get loans to buy some of the more expensive things I like such as designer bags and shoes then that is what I will do. As long as I can make the repayments each month then I don't see that I am doing anything wrong. Lending Stream have given me my last couple of loans and I am quite happy with their terms and conditions so will probably stick with them for a bit longer.

Review posted by Carol Daley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A guy at work recommended Lending Stream when I told him I was looking for a different loan company to the one I had used previously. I just wanted a straightforward instalment loan for a certain amount of money and automatic repayments so that I didn't have to worry about late payment fees which had happened to me a couple of times with the previous loan. He said that is precisely why he used Lending Stream and that I should give them a go. Lending Stream have worked out just right for me and I will use them again if I need another loan in the near future.

Review posted by Jamie Farrow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I took out an instalment loan with Lending Stream so that I could afford to buy my parents a nice big flat screen TV for their 25th wedding anniversary. If I'm honest it was partly due to the fact that I hated having watch TV on their tiny little one that was about 10 years old whenever I stayed with them at the weekends. Mum and dad were thrilled with the TV but were a bit worried when I told them I had used a loan to buy it but when I explained how my loan with Lending Stream was set up and that I didn't have any problems making the repayments automatically from my bank account each month they were a lot happier.

Review posted by Lisa Sheldon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have nearly paid off my first loan with Lending Stream and I am really glad I chose them. I don't think their interest rates are necessarily the lowest but the overall package was best for me. I particularly like the fact that my repayments are taken from my bank account automatically each month so I dont have to worry about missing a repayment. I do a lot of travelling with my job and I have missed the occasional repayment with other loan companies because of this. The last thing I want is to have to pay extra for late payment fees so that was an important factor when I chose Lending Stream.

Review posted by Chris Powell

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My job pays well and I dont usually have a problem with paying my bills and still having enough left over to go out at the weekends with my mates and have a good time. The only time I need a bit of financial help is when I want to book a holiday or buy something expensive for my girlfriend. Thats when I use payday loan companies and this is my second loan with Lending Stream. Because I have had a previous loan with them and not had any problems with the repayments they are letting me borrow the maximum amount this time The automatic repayments will still be within my affordability and I am really pleased because it means I can buy an engagement ring for my soon to be fiancee if she says yes.

Review posted by Barry Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Have been borrowing from Lending Stream for a year and a half. They have been fantastic iv always repaid early as it saves loads of interest beeing paid. Thought i had built up a good hostory with them!! Settled two loans totalling £535 two weeks ago and now they refuse me i cannot understand why. My situation hasn't changed and i always pay on time and efficiently. Baffled and Very very disappointed!!!!!! I would love to know why. There customer service is fab always on hand to help. Obviously the interest is very very very high but if you are in a pickle its a great thing to rely on. Up until now they were fantastic now i will take my custom elsewhere!!! Cant believe you refused me lending stream after all the money i have paid you.

Review posted by Jen30

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I felt like I had earned a healthy bonus at work last year, at our firm they get given out just before the Christmas holidays, and I have to say I was pretty gutted when I opened mine. It was a foolish thing for me to do, but I had already started spending the money I was expecting to receive, so when I saw the surprisingly low amount, I knew there were going to be money troubles ahead. I actually found quite a simple remedy for my problem, by taking out an installment loan from lending stream, and although they made taking out a loan really easy, I have definitely learnt a couple of valuable lessons here.

Review posted by Anna Reynolds

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Repaying loans was something that I have had a bit of trouble with in the past, but now I wanted a different kind of loan to the ones I had taken out in the past. Previously, I have only taken out payday loans, because to be honest, anything that was for a longer term than that scared me a bit. Although this meant I was paying a lot of interest, more than I could afford, and the repayment options weren't very flexible at all. The last time I needed a loan, I went for an installment loan with Lending Stream instead. This was a much better idea, and actually if I had done this in the first place, instead of taking out payday loans, I would be in a much better position right now.

Review posted by Taylor Soots

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Taking out a loan is something that I have always found to be easy, just a few clicks online, a set of questions to fill out, and soon enough you get the money if you choose the right provider. My problem in the past wasn't taking out loans, it was paying them back. That is why I needed a different type of loan, rather than the unsecured loans with just a one month or so term that I had gotten used to taking out. Lending Stream provided me with an installment loan, which was so much better. The time frame was a bit longer, but still classed as short term, and the interest rate beat what I had been given in the past by miles.

Review posted by Jeff Pullson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Lending Stream approved my loan within hours of my online application and the money was in my bank account the next day. I had never had a loan like this before and so I was very surprised at how quickly the whole process was completed.

I know there are loads of other loan companies out there to choose from but Lending Stream was recommended by a good mate of mine and so that's why I went to them first. The important thing for me was that they approved my loan for the amount I needed and the repayments aren't too much each month.

Review posted by Don Fairclough

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've had a steady job for a couple of years now, it's not the best paid ever but it's ok. Last month I found myself short on money due to some major damage done to my car. I just didn't have enough to pay all my bills and the car repair. So I needed a loan.
I came across Lending Stream and went for it. Just filled in the online aplication and waited for their response. Their response came much quicker than I expected, and customer service was great.
In no time the cash was in my account and I paid for my car repair. Now that's off my shoulders and I know that it will be easy to pay back in a few months.
So I'm happy with the service and know that if ever needed I can turn to Lending Stream for help

Review posted by Peter Hendricks

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Me and my husband talked about getting a loan to help sort out a few problems around the house. The bathroom tiling needed replacing and the kitchen was looking a bit scruffy. When we worked out how much we would need to borrow the job of picking the right loan company was left to me and so with a bit of help from my neighbour who uses loan companies all the time we decided on Lending Stream. I dont think any loan company is perfect but Lending Stream were happy to lend us the amount of money we needed and give us a repayment schedule that we could afford without struggling too much. I think for most people like us that are taking out a loan that is the most important thing. I think we would probably use Lending Stream again in the future as they will allow repeat customers to borrow a higher amount.

Review posted by Audrey Simmons

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My sister and her husband always seemed to be able to afford more holidays than us and bigger cars even though we know they both earn similar wages to me and my husband. So one day when she popped in for a coffee I asked her how she managed it and that is when I first heard the name Lending Stream. Apparently they use loan companies all the time and she couldn't believe that I hadn't realise.

Lending Stream is who she has her current loan with and she recommended we apply for a loan with them and join her and her husband on their holiday to Spain in October. After talking it ver with they hubby we applied for and got the loan and we are looking forward to our break in Spain next month thanks to my sister and Lending Stream.

Review posted by Janet Deering

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm divorced from my wife but we have 3 kids that I love and try to see as often as possible. Whenever I do see them I tend to go a bit overboard and spoil them with lots of treats and sometimes if money is a bit short some months I use payday loans to get the money. It is a big help to me as my kids are only young for a short time and I want them to remember having lots of fun with their dad. So in spite of the fact that borrowing money in this way costs me in interest charges I think it is worth it just to see my kids having fun and I will continue to use companies like Lending Stream for that reason.

Review posted by Simon Neahy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This is my second loan with Lending Stream and they have approved a much bigger loan for me as I am considered a reliable repeat customer. This has been a great help to me as I needed to borrow extra money for sorting my son out with a second hand car before he starts college.

Lending Stream aren't as flexible as some other loan companies when it comes to their repayments options but as I know the money will always be in my bank account for the monthly automatic payments to go through and I don't have to worry about getting late payment charges then that is fine with me.

Review posted by John Beresford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

On the advice of a friend at work who knew I was struggling with some financial problems, I took out an instalment loan with Lending Stream. I had never used this sort of loan facility before but I was impressed with how easy the online application was and how quickly they approved my loan and transferred the money into my account. Before I knew it I had sorted out my money problems and was making my first repayment. I suppose up until then I had been a little bit behind the times with regards to money matters and Lending Stream has helped bring me into the 21st century!

Review posted by Alan Wilmott

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My Lending Stream instalment loan is nearly paid off and I am writing to say how happy I have been with the overall experience of getting my first loan with this sort of company. I had heard all the usual negative comments about these so called payday loan companies but I have several friends who use them regularly and say that if you are careful and pick the right loan for your particular circumstances then you shouldn't have any major problems. I am pleased to say that has been the case for me and I will certainly use Lending Stream or a similar company for my next loan.

Review posted by Des Gillham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My son introduced me to Lending Stream loans when I told him I wanted to treat his mum and me to a cruise to celebrate our 30th wedding anniversary but was struggling to raise enough money in time.

He uses loan companies on a regular basis and was currently borrowing money from Lending Stream and so he suggested I give them a try. After helping me with the online application everything else was straightforward and I was very happy when they money was in my bank account and I could go ahead and book our cruise. My first repayment is due shortly but I don't have to worry as they take the money automatically each month from my bank account so that I don't incur any late payment fees.

Review posted by Tony Bartlett

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After years of me moaning about my ever increasing wrinkles my daughter persuaded me to have a little bit of help with turning back time. After a bit of research into the sort of treatment I wanted and how much t would cost we then set about finding the right loan company to get the money.

We finally decided on Lending Stream and my daughter helped me do the online application. To my delight they have approved the loan with repayments that I can afford and I am excited and just a little bit nervous about my consultation and treatment that I am having next week.

Review posted by Sue Denby

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I never thought that I would be the kind of person that used payday loans as I always assumed they were for people who couldn't manage their finances properly and got themselves into debt because of it. But after speaking a few of my friends who use payday loans a lot I have realised that isn't always the case and that payday instalment loans can be a good way to supplement your salary and help you afford those little luxuries without having to save up for months beforehand. I decided to give payday loans try and chose Lending Stream for my first ever loan. I found the whole application process very easy and was most impressed with the speed and efficiency of approval and transferring of the money into my account. Not having to worry about remembering to make the monthly repayments is also a bonus and Im glad Lending Stream use that method for taking repayments. I wouldn't necessarily say Im a fan of payday loans but I am no longer adverse to them and may well use them again in the future.

Review posted by Rita Spalding

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I was searching for an instalment loan, of course value for money was important to me, but quality of service was going to be a deciding factor too. As level of service is one of those things that can be hard to determine until after you've actually dealt with a company, I started reading some of the reviews here on Readies. It seemed that Lending Stream had a great deal of satisfied customers, and level of service was something that was mentioned several times. Their service really has been great, and I can access all the details of my account online at any time, and see what payments I have made and when. This also enables me to see how far away I am from completing the full repayment of my loan.

Review posted by Sam White

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A lot of money lenders that I had tried to apply for a loan with, had requirements that I didn't meet, such as you must have three years proof of residence in the UK, or be on a yearly salary of such and such. I was born and raised in the United Kingdom, but have been away travelling for a few years, and only returned earlier this year. Therefore I only had proof of address for where I live now, and although I have managed to find myself a job, my income isn't that substantial. Thankfully, I found Lending Stream. Their requirements were relatively basic, and I fitted the criteria and was approved for a loan in no time at all.

Review posted by Siobhan Hawley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Terrible company . Way too high interest rates.. I never missed a payment on any loans I had with them and when I applied for another one I was not eligible . I am actually really glad as it made me look elsewhere for a more affordable and way less apr loan. Thank you lendingstream for making me realise I didn't need to be using your terrible below par service. Whenever I contacted them through email all I ever got was the same rubbish standard answer . Honestly there are several better payday loan companies out there.. Lending stream remind me of how wonga used to be so reckless with praying on the vunerable . Wonga sorted themselves out . I don't think lendingstream will

Review posted by Matt

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Last month I went over budget on a few things, and consequently I was left with too much month at the end of my money! I decided I wanted to take out a loan, and at first was considering a payday loan. After careful consideration, I decided an instalment loan would actually suit me better, as not only do they come with more reasonable interest rates, it meant that I wouldn't have to repay the money all in one go and have the same problem come the end of next month. Lending Stream have given me a great service, and I just took out a loan for the small amount I absolutely needed as this will be easier to repay.

Review posted by Sian Nichols

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I got invited to join some friends in Spain who were renting a villa for a month. We all had to chip in with the cost of the rental which still worked out cheaper than a hotel so we agreed it was a great idea. I was skint though and the only way I could afford to join them was if I could get an affordable loan.

I made a real effort and started looking on the internet because I knew I wouldn't be able to get this sort of loan from my bank. I looked at a couple of the loan comparison websites which helped a lot. Initially I thought I'd just borrow enough to pay my share of the villa and flights but then I decided I might as well try and get a large enough loan to pay for the whole holiday, including spending money.

The monthly repayments on this instalment loan from Lending Stream are less than what I would have had to try and save in time for the holiday in September and when I get back I will only have two more instalments to pay so I'll be finished before Christmas arrives and I have to start worrying about money again!

Now that I've tried Lending Stream's instalment loans I might consider taking out another one to help me out with the expense of Christmas shopping for presents and stuff. I think it is a really good way of affording things without the hassle of trying to save up for them.

Review posted by Kelly Dowland, Crystal Palace

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Lending Stream offer great small loans which I can either use like a payday loan or if I am borrowing a bit more I can use their instalment loan option. They make it so easy to get a small loan and one of the best features about their loans is how quickly you get a decision and if the loan is approved, how fast they can transfer the money to you. They're a great lender to go to if you need money in an emergency. Some of the other lenders I looked at on the loan comparison website don't guarantee this fast service so it was an easy choice for me to go with Lending Stream. Their rates are competitive enough and their online application process really couldn't be easier. I'll definitely use them again if I need another instalment loan and would recommend them to friends.

Review posted by David Coupland, Farnborough

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Getting approval for this instalment loan from Lending Stream and then the money within a few hours was very impressive. I really didn't expect such a fast service even though Lending Stream stated in their website that they can send out funds within 4 minutes of receiving the borrower's acceptance of the loan agreement. I thought it might just be a marketing ploy but they were true to their word and I got my money when they said I would. For that reason alone I think they deserve some praise because usually when you get tied into any sort of loan agreement you are left hanging on anxiously waiting for the funds to be transferred to your bank account. That certainly wasn't the case with my instalment loan from Lending Stream so they get my vote of approval without any hesitation.

Review posted by Mike Hansford, Merton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Lending Stream were the easiest and quickest of all the lenders I have had dealings with. Even some of the payday lenders weren't as good as them. So that's them in a nutshell really. An instalment loan with all the benefits and more of a payday loan.

I don't have any plans for future loans but I know for sure that if I need another instalment loan in the near future I will definitely be going straight back to Lending Stream, especially as I maybe able to borrow an even larger amount the next time.

I am not usually one for making recommendations but if any one asked my advice about a good and reliable loan company I would have no hesitation in telling them about Lending Stream.

Review posted by Hugh Davidson, Brentwood

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My name is Mkwabe, 21 years old. 5 years ago I came with my parents to the UK as refugees from Zimbabwe.

The first years in the UK when we lived in Essex were tough. Studying English to improve my chances for a job, acclimatizing to the weather not to mention the culture were some of the worst struggles I'v met. Now I'm doing better, especially financially spoken. My new job as a junior recruiter suits well, and so are my wages.

Still, the chance to buy myself a car seemed to far away, but there's this little story, you know.

One of my friends, also from Zimbabwe tipped me about Lending Stream, a loan company that might be the solution. To be honest, I expected to be refused at first but to my surprise they didn't! Being a black African lowers chances to obtain just about anything I guessed but I didn't had that feeling with Lending Stream, on the contrary.

Calling the Customer Care Center appeared to be a relief. I found myself treated as any other customer. Well, that was my feeling afterward. How could I check on that?
The result was that within 3 working days I could call myself the owner of a well-preserved Honda Accord with less on the meter for an interesting price.

Maybe Lending Stream is not the official number one on the list, but for me it is!

Review posted by Mkwabe Aguila

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A regular payday loan wasn't going to be possible because I needed to borrow a bit more than I could comfortably repay. It had to be an instalment loan this time and after what seemed like hours looking through all the loan comparison websites, I finally opted for Lending Stream.

I think I have made the right choice because apart from their loan process being so much quicker and easier than I thought it would be, they gave me an almost instant response once I had submitted my application. Now all that remains is for them to transfer the funds into my bank account and even though they say this can be done within 4 minutes of me accepting the terms of the loan, I really don't mind waiting a few hours. That would still be pretty quick as far as I am concerned and as I was just hoping to have the money any time this week it really is a nice bonus to an already great loan.

Review posted by Heather Lambert, Strood

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have never had this type of loan before because I usually rely on a payday loan if I need a bit of extra cash. But that only works if I am just borrowing a small amount of money to get me through the weekend before payday. This Lending Stream loan is different because I am borrowing the money to pay for a holiday to Gran Canaria and it will be the first holiday abroad in nearly 3 years since my daughter was born.

I am a single parent with a full time job and my parents look after my little girl when I am at work. They encouraged me to take out this instalment loan so that I could have a nice holiday with my girlfriends. I couldn't afford to do this without this great loan from Lending Stream or without the help of my parents who are the only people I would trust to look after my precious little daughter for two weeks.

Review posted by Kelly Anderson, Sevenoaks

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I don't think you realise just how many loan options there are out there until you start looking on the different loan comparison websites. When I decided to get a small instalment loan to pay for some car repairs I was amazed at how much choice there was. It didn't take me long to find a great loan with Lending Stream and their online application went through without any problems. Within 24 hours I had my loan approved and the funds in my bank and was able to get my car repairs started at my local garage who were just waiting for the thumbs up to say the funds were available. I will definitely use Lending Stream again as they were extremely fast and efficient in handling my application.

Review posted by Peter Maguire, Felixstowe

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The most heart breaking thing about the fire that tore through our house, was losing so many priceless keepsakes we had accumulated over the years. On top of that heart ache, I discovered that our house insurance only covered some of the damages, not everything. At an already difficult time, this was really bad news. I turned to Lending Stream for help, and was so relieved when the loan I applied for was approved. The application was straight forward, and I can now move forward with making my house habitable again. I really don't know what I would have done without this extra help.

Review posted by Susan Bricker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

With two young children and a husband that works long hours, life is pretty hectic. We haven't been able to take a break and go on holiday for years now, and all our spare money seems to go on the kids for one thing or another. I'm so tired and really in need of a getaway, so decided to just take out a loan and get something booked. I wanted a loan where I could make repayments in small regular instalments, rather than a lump sum coming out of our account all at once. With Lending Stream loans, they tailor made a plan to meet my specific needs, and everything ran smoothly. I'm really pleased with the level of service I received.

Review posted by Elisa Crew

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

In my opinion, having tried several loan companies in recent years, Lending Stream has by far the most straightforward and easy to understand application process and terms and conditions.

When you are stressed out about money problems and need to borrow extra cash in a hurry the last thing you want is to have to struggle with an online application form.

After using Lending Stream for the first time a few months ago I knew I would keep using them for the occasional short term instalment loans that I need to rely on and I also like their automatic repayments method which helps me to avoid getting late payment fees which has happened to me with previous loan companies.

Review posted by Lenny Kidson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have never had to take out an instalment loan because I desperately needed the money like some people. But I do use short term instalment loans as a matter of choice when it comes to being able to buy some of the little luxuries in life that I would otherwise have to go without or save up for.

I am always sensible and never borrow too much, just enough t allow me to buy whatever it is I want at the time and I like using Lending Stream as their loan amounts and charges suit my needs. I also like that my repayments are taken automatically each month so there is no chance of me forgetting and then paying late payment fees.

Review posted by Maddie Jessop

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Lending Stream is the first loan company I have used and I was really nervous about applying for a loan online but my friend had used Lending Stream and said they were good and that when she had a few problems with the application form she contacted their customer services who were really helpful.

Anyway with my friends help I was able to do the online application and when my loan was approved I was so excited because it meant I could afford to go on holiday with my boyfriend and I was worried that I might not be able to afford the repayments but Lending Stream calculated a repayments schedule that was easily affordable for me. They take the money automatically each month and so I don't have to worry about forgetting to make the repayments.

Review posted by Nadia Hollins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Changing jobs and my bad financial situation in between saddled me up having a bad credit history. Nevertheless, even with a bit higher interest rates Lending Stream seems to be the loan institute for me as they accepted me under these circumstances and the way it is. After my situation was back to able I was allowed to borrow more than the limit!

This gave me some confidence when a couple of weeks later my bike was stolen I directly applied for a loan with them. The people from Lending Stream allowed me to borrow up to 1500 quid for buying a new bike. That was more than I could possibly imagine.

It all appeared that trustworthiness has made the difference. Even with my bad job history from which I escaped by rapidly having a new job I was accepted as a normal customer, no big deal! I can say thank you Lending Stream, for helping me out.

PP

Review posted by Paul Peters

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Since I have been using Lending Stream loans I have not had any problems with making the repayments because their repayments schedules are always tailored to suit me. For a start Lending Stream wont lend you more money than they think you can afford to repay and so once they have agreed an amount with you they will then calculate your repayments and because the money comes out of my bank account automatically each month I can pretty much forget about them. As long as I am sensible and make sure there is always enough in my account to cover the repayments then I can relax and enjoy using the money I have borrowed.

Review posted by Penny Greenway

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My boyfriend uses payday loans a lot to help him with things like his car repairs and stag weekends. Apart from that he is usually able to manage his money quite well each month.

Because he seems to have done ok with these loans I thought I would give them a try myself when I needed to find some extra cash for a girlfriends hen weekend in Spain.

My boyfriend was using Lending Stream and so I applied for a loan with them which I am happy to say they approved and the repayments were well within my budget so I was not worried about being able to make the repayments. I am going to use Lending Stream again so that I can borrow some extra cash in time for xmas.

Review posted by Rosie Flint

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I realised it was my parents 25th wedding anniversary in a few weeks time I panicked as I hadn't planned ahead and so had no spare cash as per usual.

My boyfriend said he could lend me some money but it still wasn't enough for the present I wanted to buy them so instead I decided to take out a short term instalment loan with Lending Stream.

I am so glad I did because it meant that I could buy mum and dad a really nice present and take them both out for dinner at a very posh restaurant.

Review posted by Sienna Emery

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I use loan companies all the time for different reasons. Sometimes I have a unexpected bill that I need to pay but mostly I use them because it is the only way I can afford to buy some of the more expensive things that I like without using credit cards which I don't like using as I had some problems with them a while ago.

I have a good job and earn an above average salary so I am considered a good credit risk and so that is why companies like Lending Stream are happy to give me a loan and I am happy to take advantage of this sort of borrowing facility.

Review posted by Tally Davies

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have just paid off my first ever instalment loan with Lending Stream and wanted to say how I have totally changed my opinion of payday loans. I used to think that they were a bit of a rip off and that only really desperate people used them but I now know that isn't always the case.

Responsible loan companies like Lending Stream approve affordable loans for people like me who for whatever reason find that they need or want to borrow extra cash. I now realise that this way of getting around a temporary cash flow problem is a good thing provided you know what you are agreeing to and that you can easily afford the repayments.

Review posted by Violet Collins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Since going part time with my job I can still afford to live comfortably but it just means that I don't have as much spare cash for the occasional large expenditure such as repairs in the house and social expenses for things like weddings etc.

That is why I have started using payday instalment loans after my friend recommended them and after a bit of online research I chose Lending Stream because I liked their company profile and the terms and conditions were acceptable to me.

I wouldn't necessairly recommend Lending Stream as I think people should make that choice themselves. But I am glad I chose Lending Stream and I will continue to use them.

Review posted by Wendy Baines

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My husband said that if we wanted to go on our annual late summer holiday to the Algarve we would have to get a bit of financial help as the coffers were a bit low due to several expensive events such as our sons wedding and our youngest daughters 21st birthday.

I was given the task of finding the best loan option for our particular needs and that is how we ended up getting an instalment loan with Lending Stream which has just been approved.

We are now looking forward to our week in the Algarve and I just wanted to thank Lending Stream for helping us afford our much needed break in the sun.

Review posted by Yvonne Ashburton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This is my first instalment loan with Lending Stream and I must admit I was putting them to the test a bit with their claim to have the funds in your account within 4 minutes after agreeing to the loan and giving them my bank details.

In actual fact, it took almost 20 minutes for the funds to reach my account and sadly, unlike my local pizza delivery, that later than promised transaction did not mean I get my loan free but I am jesting! 20 minutes was a brilliant result and the deal I got with this instalment loan meant I would have waited another 24 hours if need be, after all what's another day when you are getting a sum of money that you can pay back in affordable monthly instalments without any difficulties.

Review posted by Gary Hewell, Ipswich

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I applied for my instalment loan with Lending Stream after they were recommended to me by a friend. they told me that Lending Stream if they approve you loan can get the money to you in less than 5 minutes. I didn't really believe them but I thought I'd give them a try anyway because I hadn't taken out a loan before and was willing to be guided by my friend who has had several loans over the years.

I have to admit my friend was not only right about her recommendation, but the money did in fact reach my bank account in about 5 minutes give or take a minute depending on whose watch or clock we were timing it by.

I wasn't in such a hurry as that to get the money but its nice to know that if I were in such a hurry you can more or less rely on Lending Stream to get the funds to you asap!

Review posted by Izzie Jackson,

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Lending stream have saved my life! Well not literally lol! I was working on a really important essay when I knocked my coffee over and totally fried my fricken laptop! Luckily I had my work backed up but there was no saving my computer! I was freaking Out abou telling my girlfriend then my flat mate told me he'd used lending stream to replace his tv. I got straight on it and after less than an hour I had found the right type, amount of and length of loan to suit me down to the ground with out leaving me eating super noodles for the next year! I was excepted within 72 hours and had a notification just before they popped it in my account! Only problem is I'm now thinking what else I want a loan for! Oops! Ha! Defo gonna use them again!

Review posted by Rob

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've used lending sites before and been robbed by every single one! I'd pretty much given up on finding a decent honest company. As a single dad I find it hard sometimes to break even every month, there's always something else the kids need or a bloody new school necessity. I often spend the last week before payday stressful but hearing company has made such a difference... I can plan ahead and once the amount I need is accepted and agreed on I usually get the cash into my bank with in days.. The payment schemes are quite flexible and the interest rate isn't half as bad as some of them out there. It's not an ideal way to live but it has helped me and my boys out when times have been tough!

Review posted by Paul H

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This was the first and hopefully the last time I'll have to apply for an instalment loan or any loan as I can't help but feel very panickie when I'm in debt so choose to stay well away! But unfortunately after the recent death of my mother, myself and my brother were left with a huge amount of bills for the funeral and cremation.. I swear dying is the biggest money maker! Neither of us could afford the lump sum needed on top of raising young families so a friend of ours told us to look into getting a loan. After looking into several online companies I was left scared and confused about the large charges and small amount of time in witch to pay the loans back.. Then we stumbled across lending stream and were pleasantly surprised at how easy and upfront everything was! Mind at ease we applied, had the cash within a week and with 3 months to pay it back a Weight was lifted! Would definitely recommend!

Review posted by Lisa heart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money