WARNING: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk
WARNING: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk

Who are Lending Stream?

Lending Stream is a trading name of GAIN Credit LLC. They offer short-term loans to UK residents who are employed and earn over £400 per month. GAIN Credit were founded in 2003 run various brands in the UK, India and the USA.

How much can I borrow from them?

Lending Stream offer loans between £50 to £1,500, subject to eligibility. Existing customers may be able to borrow more on subsequent applications.

How long can I take to repay a loan?

You’ve got between two and six months to pay back your loan. They do not offer loans over a period of less than two months.

How do I apply for a loan with Lending Stream?

All applications are made online, there is no phone number you can call to apply via telephone. You’ll need all the usual details: name, address, telephone number, and information to determine affordability (number of dependants, monthly outgoings, etc.)

Once you have filled in the online application, they will perform a credit check and advise you whether they are willing to offer you a loan or not. If you are tired of filling in application forms with lots of lenders, only to be rejected, try our service – we’ll search dozens of lenders in one application. Click here for more information.

What would monthly repayments look like?

A representative APR of 1325% on a £200 loan over six months (fixed 292.0% p.a) would cost you £383.68 in total. Month 1: £33.60; month 2: £96.00; month 3: £75.84; month 4: £66.88; month 5: £62.40; month 6: £48.96.

Am I credit checked when I apply with Lending Stream?

Yes. They will perform credit checks to determine eligibility.

What penalties or fees are there for late repayment?

You will be charged up to £15.00 in late or penalty fees.

Can I repay my loan early?

Yes you can. Repaying early does not come with any penalty, and will reduce the interest and therefore, the total amount repayable. Repaying early is a smart way to reduce the overall cost of a loan.

Are there any online reviews of Lending Stream that I can read?

Yes! They have a Trustpilot score of 9.4 out of 10 as of July 2018.

What’s their FCA registration information.

Their parent company’s FCA Registration Number is 689378.

Why choose Loanline instead?

Loanline are broker and not a lender. Instead of filling in lots of application forms with multiple lenders, we ask you to fill in just one form with us, and we’ll help you find a lender that will lend to you, free of charge! Sound good? Head over to our application form and get started today!

How do I contact Lending Stream?

For customer service, call 0203 365 0133, or email info@lendingstream.co.uk.

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