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

Please note: We are a broker, not a lender, and do not make credit decisions.

Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Subject to application being approved by the lender. Not all lenders are able to provide up to £5000

We are on the FCA register please see here

We never charge any fees,
our service is 100% free

Good and
Bad Credit Welcome

Guaranteed the best rates to your
circumstances from 50+ lenders

If Approved you’ll get the cash
in your account within 10 Minutes*

Lending Stream Alternatives

Looking for Loans like lending stream? Here at 1st Class Loans, we can help you find you an alternative solution to Lending Stream loans.

We are slightly different to Lending Stream as we are a broker, and they are a direct lender.

1st Class Loans could be a great alternative

A bit about us: We are a credit broker who helps find customers a short term payday loan in the UK. We can help you find loans starting from £100 all the way up to £5,000 over a period of 3-24 months.

We can help you get the lowest rates loans from a large panel of lenders including ‘QuickQuid, SafetyNet Credit, My Jar UK and many more and won’t charge you for using our service.

How does 1st Class Loans work?

If you apply for a fast loan through 1st Class Loans simple and quick application form, your application will be sent into a pingtree. The pingtree software will automatically match you with the lender with the lowest rates to your circumstances from around 40+ lenders.

What’s the difference between a credit broker and a direct lender?

A direct lender is a company lending the money to the customer, whereas a credit broker matches the customer to a lender. The purpose of a credit broker is to match the customer with the lowest rates for their circumstances. The lenders usually pay the broker a fee for the introduction.

Everything you need to know about Lending Stream

We will now try to give you as much information about LendingStream which will hopefully make your loan decision much easier.

Who are Lending Stream?

Lending Stream LLC is one of the leading lenders in the UK payday loan industry.

Who owns Lending Stream? LendingStream is owned by Gain Credit LLC. They started providing short term loans in 2008. Gain Credit LLC is also the owners of Drafty, their sister brand.

What Loans Do Lending Stream do?

Lending stream offer short term loans starting from £50 up to £1,500 with up to 6 months’ repayment

What APR do Lending Stream offer?

Representative APR is 1333%

How long do Lending Stream Loans take to process?

According to their website, “money streamed to your bank account in under 90 seconds”

What are the Criteria for a Lending Stream loan?

To apply for a payday loan through Lending Stream you need:

Do they charge fees?

It is free to apply with Lending Stream. You will pay back interest on your loan which will be outlined in your lending agreement before you proceed. If you have a late payment the maximum you will be charged is £15.

I’ve been rejected by Lending Stream what should I do?

This is where 1st Class Loans can help you find a Lending Stream alternative. As we deal with around 40+ lenders, this can increase your chances of getting accepted by a direct lender if you have bad credit.

Are LendingStream FCA Approved?

Yes, Lending Stream are FCA approved under the FCA license number 689378

Lending Stream Reviews

According to Trust Pilot, they have received over 10,000 reviews.

To have 86% 5* reviews from of over 10,000 reviews is quite exceptional.

Are The Lending Stream a trusted lender?

Yes 100%, Lending Stream reviews prove that.

How do I contact Lending Stream?

Via their website or their UK trading address is:

Lending Stream,

Wisteria Grange Barn,

Pikes End,





Lending Stream login link – https://www.lendingstream.co.uk/login/?next=/contactus

Lending Stream complaints – Via their website

Facebook – Lending Stream has a Facebook with over 5,000 follows. This is one way to contact them as according to their Facebook page they “typically replies within a few hours”. They are quite active on Facebook and post all their blogs on the social media platform.

Twitter – Similar to their Facebook page, they post a lot of their blogs on Twitter. They have 794 followers. In their bio they quote “have a question? Monday – Friday 9am – 5pm” so this is another way to contact Lending Stream.

Instagram – They aren’t as active on Instagram compared to Facebook and Twitter, however, they do have an account but have only posted a small number of posts.

Conclusion on Lending Stream and 1st Class Loans

Lending Stream is an extremely trustworthy lender and if you wanted to use a direct lender they would certainly be one to consider.

If you are looking to shop around for the lowest rates to your circumstances, then 1st Class Loans might be a more suitable option for yourself.

our blog