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Lending Stream Loans | Reviews

Lending Stream Loans

About Lending Stream Loans

Lending Stream is one of the UK’s most popular instalment loan lenders. They started out life in 2008 originally as a payday lender, but soon adapted to a fixed 6 month term. It was smart of them to make this change early as when price capping was brought forward many monthly firms quickly made the switch across, but this company already had made up excellent ground in this niche. Maintaining their success hasn’t been easy as well, with this being one of the most competitive subprime sectors. At the same time you have to factor in that the owner (Gain Credit) has also been busy with Drafty that itself is progressing well. These brands make up the Gain’s 370,000 customer base.

To support growth, there has always been a big push on the advertising front here. Many people will be familiar with their TV adverts (a popular one being their Tight Spot ad with the character Lenny). Customer feedback scores are high especially on at 97% from 20,000+ feedback. High volume of this magnitude suggests incentivising on their part. We wouldn’t expect accuracy to be close to 97% based on the past notoriety of their overseas call centre. They do operate 7 days a week and payout quickly. It is surprising that they haven’t opted to update the flexibility of their product. The costs also don’t come cheap at £275.52 per £300 that is beaten by many of their competitors.

Company Details

Address: Wisteria Grange Barn, Pikes End, Pinner, London, HA5 2EX

Brand: Lending Stream (aka: LendingStream)

Company: Gain Credit Llc (subsidiary of Gain Credit Inc)

Contact (📧):

Contact (☎): 0203 365 0133

FCA Licence: 689378

Launched: 2008

Niche: Instalment

Opening Hours: Mon/Sun (8am-8pm)

Related Brands: Drafty

Site Address:

Site Rank ( Global): #602,042

Product Specs

Amounts Available: £50 to £800 (£1500 on reloans)

Late Payment Fee: £15

Login Provided: Yes

Pricing: £275.52 /£300 (6m)

Repayment Terms: 6 months

Review Feedback

Feefo: Not listed

Reviews: 97% (23,590+ count)

Trustpilot: 92% (15,310+ count)

Rivals & Similar Lenders Like Lending Stream

Satsuma Loans and Sunny are Stream’s main competitors. Of these, we’d consider Satsuma to be the greater threat based on the backing and experience of the owner (Provident Financial). Satsuma’s product has an excellent repayment range of 3 to 12 months, but they open 6/7. Mr Lender and MyJar are other rivals open 7/7 with improved term options. As was noted, this company is quite expensive with pricing. There are many competitors with cheaper deals as shown in our 6m comparison. It is of course possible to get an excellent price from sister-brand Drafty. It would be a good idea to apply there first. If declined, they’ll likely just pass you on here.

Last Check @ February 14th, 2020

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Average rating:  
 3 reviews
by Dave on Reviews

It was so easy to apply and quick

by Barbara on Reviews

Excellent service. Very happy!

by Foxxy on Reviews

Can only pick a 6 month repayment. Needs more flexibility and a lower price as well