Representative 535%​ APR.

Warning: Late repayment can cause you serious money problems. For help, go to

As a new customer with Lending Stream you may be able to borrow between £50 and £1500. But you have a maximum of just six months to repay the loan. Like all finance companies Lending Stream will carry out a 'hard' credit search when you apply for a loan from them. This is recorded on your credit report.  This could affect your credit score no matter what the result is of your application. 

Lending Stream loans are also subject to extra fees.  For example if you miss a repayment you will have to pay an extra fee. This can increase your debt.


Why choose Satsuma?

A Satsuma loan is different to a loan from Lending Stream in several ways. As a new customer of ours we could lend you up to £1,000 (subject to affordability) compared to £1500 from Lending Stream. And you have the option to repay your loan over a year rather than six months. We also offer the options of repaying weekly or monthly.

Another difference between Satsuma and Lending Stream is that we never charge you extra fees. You only pay back the amount agreed upfront.  

Plus, Lending Stream have a higher representative APR than Satsuma. You should always check the full cost of your loan. If you were to borrow £200 over 6 months from both lenders, here’s how the numbers stack up**.


Total cost of Loan

Monthly Repayment

Lending Stream



Satsuma Loans



But things happen. Your salary may be paid late, circumstances change or an unexpected event could affect your finances. This can happen to anyone.  We understand that. This is why we will never ask you to pay late fees on your Satsuma loan. What you borrow is what you repay.

Use our  eligibility checker

You remember we mentioned Leading Stream carry out a hard credit search when they consider your loan application? This appears on your credit report. And you have no idea if you will be accepted for a loan before you apply. Here at Satsuma we do things a little differently. 

With Satsuma you can see if you are eligible for a loan from us before you apply, without affecting your credit rating*. This uses a 'soft' credit search. This doesn't appear on your credit report.

It only takes a few moments to check. When you do we will tell you if you will be approved for a loan.

No more crossing your fingers when applying for a loan. Follow the link below to go to check.

How it works

We check your info

It's not a full application so we only need a few details

Protect your credit score

No matter the result, it won't affect your credit score unless you choose to apply

Give you your result

You'll find out in 60 seconds. We'll need to check your details if you choose to apply*

Try our loan calculator


A lender you can trust

Satsuma is part of Provident Personal Credit Limited. Provident have offered short term loans for well over 100 years. We are an established and trusted lender with an excellent reputation. Lending Stream has been trading since 2008.


Why choose Satsuma?

Ready to apply for a Satsuma loan?

Applying for a loan from Satsuma is a three step process:

  1. Use our loan calculator to see how much your repayments will be on the sum you want to borrow.
  2. Check to see if you are eligible for a loan before you apply.
  3. Complete the online application.

And that's it. Your cash will usually be in your bank account within an hour of us approving your loan ***.

*Satsuma Loans are subject to successful completion of affordability and identity checks. Satsuma Loans are only available to UK residents who are at least 18 years of age and have a valid UK bank account and debit card.

**Correct as of January 2019

***If approved, hourly pay-outs between 6am-11pm