Also known as: Lending Stream; Drafty
Lending Stream is a UK direct lender launched in 2008, operating as a trading name of the US-incorporated Gain Credit LLC. It provides six-month instalment loans as an alternative to single-repayment payday loans, targeting customers who may not qualify for mainstream credit. The company also operates the Drafty revolving credit product. Lending Stream is FCA-authorised under FRN 689378 and has served over 900,000 UK customers since launch. Representative APR is approximately 1,271%.
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Short-term instalment loans (6 months); new customers £50–£800, existing customers £100–£1,500; 24/7 online applications; no early repayment fees
Trading names and group notes
Gain Credit LLC is US-incorporated (Delaware) and is the UK legal entity. The group also owns Drafty (revolving credit line). No UK-listed parent. Delaware registration number 4124111.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.9
30,290 reviews
Other review and social proof
Trustpilot label: Excellent. 87% 5-star reviews. Company replies to 95% of negative reviews. Facebook page: facebook.com/lendingstream
Overall public sentiment
Overwhelmingly positive. Customers consistently praise speed of funding (often within minutes), simple online application, clear repayment terms and flexible early repayment. Minority of negative reviews cite payment registration errors, unexpected declines for loyal customers, and high cost of credit. Overall sentiment strongly positive for a HCSTC lender.
Review sources
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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