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Lending Stream

UK online direct lender providing short-term instalment loans as an alternative to payday loans.

Last updated September 16, 2026

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Overview

Lending Stream is a UK-based online direct lender that started providing short-term loans online in 2008. It positions itself as an alternative to payday loans, offering instalment loans repayable over up to 6 months. New customers can borrow from £50 to £800, while returning customers can borrow from £100 to £1500. The company states it is an FCA-authorised and regulated direct lender (authorisation number 689378) and reports having served over 900,000 customers.

History

Lending Stream started providing short-term loans online in 2008. It describes itself as an alternative to payday loans, giving customers up to 6 months to repay in instalments. The company states it was founded by some of the same people who developed a fraud detection system protecting transactions on more than 2.5 billion credit cards worldwide, and that it uses advanced analytics in approval decisions. It is an FCA-authorised and regulated direct lender with authorisation number 689378.

Products and positioning

Alternative to payday loans; FCA-authorised and regulated direct lender focused on responsible lending.

  • Short-term instalment loans

    Loans repayable over up to 6 months; new customers can borrow £50–£800, returning customers £100–£1500.

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