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Lending Stream Reviews 

35,366
•
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

(35,366)

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

The process was extremely quick

The process was extremely quick, efficient and helpful.
I'm now in a position to clear my utility bills today.
Thanks for assisting with this.

21 September 2026
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Reply from Lending Stream

Hi Conrad,

Thank you for your 5-star review! We're so pleased to hear that our service was quick and efficient, and that we could help you get back on track with your utility bills. Your feedback means a lot to us.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

The funds arrived in your account less…

The funds arrived in your account less than half an hour, great company and really helpful.

19 September 2026
Lending Stream logo

Reply from Lending Stream

Hi Arcenio,

Thank you for your 5-star review! We're so pleased to hear that the funds reached you quickly and that you found our service helpful. Your feedback means a lot to us.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Very easy to use and funds was in…

Very easy to use and funds was in account straight away

16 September 2026
Lending Stream logo

Reply from Lending Stream

Hi,

Thank you for your 5-star review! We're pleased to hear that you found our service easy to use and that the funds reached your account quickly.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Easy application ,clear easy to…

Easy application ,clear easy to understand. Do not hide any costs Always come through when needed clear and concise how much you pay back. Xx thank you

19 September 2026
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Reply from Lending Stream

Hi Andrea,

Thank you for your 5-star review! We're so pleased to hear that you found the application process straightforward and that we've been able to help when you needed us. Transparency is really important to us, so it's great to know you found all the costs clear and easy to understand.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Easy money

I had a great experience when I need to get emergency needs its help me a lot on emergency moment

20 September 2026
Lending Stream logo

Reply from Lending Stream

Hi Mukkanti,

Thank you for sharing your experience with us. We're pleased to hear that we were able to help you during your emergency and that our service met your needs when you needed it most.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Easy to apply

Easy to apply, less interest, build easy credit , paid straight away after applied, my credit went up after I filled the whole payment

19 September 2026
Lending Stream logo

Reply from Lending Stream

Hi MN,

Thank you for your 5-star review! We're so pleased to hear that you found the application process straightforward and that we were able to help you. It's great to know that managing your loan has had a positive impact on your credit score too.

Thanks again,
Lending Stream

Rated 5 out of 5 stars

Quick

Quick, No Fuss, Transparent Service!! Easy To Fill in Application. Money Transferred In Minutes!! First Class!!

15 September 2026
Lending Stream logo

Reply from Lending Stream

Hi John,

Thank you for your 5-star review! We're so pleased to hear that you found our application process straightforward and that we were able to get the funds to you quickly. Your feedback is incredibly valuable to us.

Thanks again,
Lending Stream

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