When looking for a quick way to access the cash you need when the unexpected occurs, there are loans like Lending Stream that can provide fast cash. Here at Payday Loans Net, we offer a Lending Stream alternative that can be applied for in minutes and, if approved, pay out the same day. If you want a loan between £300 – £1,000, choose a repayment term between 3 – 6 months and click apply now.

Our application process is fast and simple, so you won’t be left waiting for a decision longer than necessary. If you have previously used a Lending Stream login to apply for a loan, consider other options before proceeding, as you may find a better alternative and get quick approval in the process. Use our loan calculator to see how much our Lending Stream alternative will cost approximately for the amount and term you choose, and click apply now to begin your application.


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Lending Stream Login – What Are My Options?


If you have had a Lending Stream account login in the past, you may be tempted to use it again as it is convenient. However, by doing so, you may be missing out on other similar Lending Stream direct lenders in the UK that can provide an accessible alternative. It’s always best to compare your options so that you can stay informed and choose the best option for your circumstances. Here at Payday Loans Net, we provide a fast and reliable way to receive urgent funds. Through us, you can also do many of the same things you can with a Lending Stream login, such as:

  • Check your payment schedule
  • Edit your personal details
  • Make payments online
  • Pay off your loan early with no penalty

If you are used to many of these features of having Lending Stream loans, the good news is you can also do this with other similar lenders including borrowing through Payday Loans Net. We know that you want convenience as well as an affordable loan schedule, and we can provide both whilst charging no fees to apply and same day cash, even at weekends.

Our Lending Stream Alternative


What makes us different is that we take a human approach to lending, and we do not rely on automated lending decisions. This means if you are someone with poor credit and has struggled to get financial help elsewhere, we can help where others cannot. We cannot offer 100% acceptance, however, we welcome applicants with varying credit histories and have helped many who have been declined elsewhere. If you can afford the repayments you require, there is a good chance we can help.

When you compare Lending Stream in the UK with our cash loans here at Payday Loans Net, you’ll find that we provide loans between £300 – £1,000 and repayment terms between 3 – 6 months. For many of our customers, this is enough funds to cover most financial emergencies and provides repayments that are affordable yet allow you to repay the loan within 6 months. You may find other Lending Stream direct lenders in the UK who may provide higher values and longer repayment terms, however, this will be more in line with long term borrowing.

As a short term direct lender, our loans are designed for short term use only and can be repaid in instalments over a short period. Any form of high-cost short-term credit that is kept for longer than 6 months will not only take you longer to repay, but potentially cost more to repay in total. As we are Financial Conduct Authority (FCA) Approved direct lenders, we work to responsible lending guidelines. This ensures we will only approve applicants who can afford the loan and will not fall into financial difficulty during the repayment term.

Get Approved with Bad Credit at Payday Loans Net

Having bad credit may prevent many applicants from finding suitable lenders, but at Payday Loans Net you can apply with confidence. Rather than decline applicants due to a low credit rating, we will fully assess and consider those who have the affordability to maintain repayments. This means if you have had a history of arrears payments, defaults or even a CCJ, we will focus on your current finances and determine if the loan is affordable for you. We understand not everyone has a good or excellent credit score, so we want to help provide those who have struggled in the past with an alternative that is affordable and will not cause further difficulties.

Similarly to how the Lending Stream application process works, we will quickly assess your finances through credit and affordability checks and provide a fast decision. If approved, you’ll then review the terms for the loan you want and if you proceed, transfer the cash to your bank account as quickly as possible. As our business hours are Sunday to Friday, 8am to 5pm, we can transfer the cash the same day in most circumstances. If you do apply outside of these hours, your application will be processed as soon as possible on the next working day.


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Lending Stream Alternative FAQs


Do Loans Like Lending Stream Charge Fees?

To apply for a loan with Payday Loans Net, we do not charge a fee to do so. You can select the value of the payday loan and repayment term, click apply now, and see whether you have been approved without being charged. As FCA authorised lenders, we ensure our terms are transparent and that you can see exactly how much the loan will cost you before proceeding. Our fees are in line with FCA guidelines, capped at £15 for late payment and any daily interest after this will be no higher than 0.8%. If you have any questions about fees, please don’t hesitate to contact us.

Can I cancel my Lending Stream loan early?

Yes, under regulations, all lenders are required to provide a 14 day withdrawal period, with Lending Stream and ourselves no exception. If you cancel your loan with Lending Stream, you will only be charged for the number of days you had the loan. At Payday Loans Net, we provide the flexibility that if you can afford to settle the total of your loan before the end of the repayment schedule, all you would have to do is contact us to do so.

Can I Get Quick Cash with Loans Like Lending Stream?

Yes, we know how frustrating it can be waiting for funds to be transferred once approved. That’s why we work quickly to do so, meaning you’ll get same day funds during our business hours. For any applications made 24/7, we will ensure if approved that the funds will be with you within 24 hours of applying.

Is Lending Stream in the UK Still Available?

Lending Stream loans are currently still available as are many other direct lenders when looking for short term loans. It’s always recommended to compare your options so that you can find the best loans for your circumstances. Here at Payday Loans Net, we charge one of the lowest representative APRs on the market at 997%, meaning you can potentially pay much less overall than with some other loans like Lending Steam direct lenders.

Lending Stream Login Vs Payday Loans Net Login


To summarise, we have put together a table comparing the features of Payday Loans Net and Lending Stream account login areas:

Feature: Lending Stream PaydayLoansNet
Check Payment Schedule Yes Yes
Edit details Yes Yes
Make regular payments Yes Yes
Repay early Yes Yes
Has an app Apple store only Yes

Aside from the features mentioned above, Payday Loans Net’s defining login area feature is our savings calculator. When you have an existing loan, you can log on at any time and see how much money you can save if you repay early! Not only can you repay your loan in full early, but you can also make smaller payments as you go along to save you money overall. Have any money spare? You can put this towards your loan and save if you want to! Payday Loans Net does not charge any early repayment fees.

So, if you’re looking for a flexible Lending Stream alternative online, apply now and see how easy our process is! To start your application today, click apply now. If you have any questions, please don’t hesitate to contact the team at Payday Loans Net today. If you require financial advice, please visit Money Helper for further information.


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Loans Like Lending Stream


Lending Stream is a trading name of GAIN Credit LLC. They have been providing short term loans in the UK since 2008.

Lending Stream offers loans between £50 and £800 for new customers while existing customers can apply for up to £1,500. Loan durations vary from 2 to 6 months. Lending Stream does not offer loans for under 60 days.

Applying for a Lending Stream Loans Alternative at Payday Loans Net

If you want to apply for our alternative to Lending Stream loans, you will need to meet the following eligibility requirements first:

  • Reside in the UK
  • Have a UK bank account
  • Have a steady income

You will also need to be at least 18 years old to apply and have your personal details ready to complete our short application form. Below, you can compare a representative example of a Lending Stream loan and borrowing with Payday Loans Net.

A representative example of a Lending Stream Loan

The total amount of credit: £200
Duration of the agreement: 6 months
Repayment total: £386.61
Interest is fixed at a rate of 292% per year | Representative 1333% APR
Representative example of a loan with Payday Loans Net

The total amount of credit: £500
Duration of the agreement: 4 months
Repayment total: £863.24
Interest is fixed at rate of 270.10% per year – 0.8% interest per day | Representative 997% APR
£215.81
Instalment 1
£215.81
Instalment 2 & 3
£215.81
Instalment 4