2023-09-20 08:19
Trying to get out of debt quickly? Picking the right loan can make all the difference. Both short term loans and long term loans come with their own pros and cons. The main challenge is dete… Read More
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Blog | Lending Stream Cash Loans Blog
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Blog on current financial issues, payday lending, important personalities and many more.
![How To Take Control Of Your Finances? [9 Best Ways]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-266166929.w320.jpg "How To Take Control Of Your Finances? [9 Best Ways]")
2023-09-18 09:12
The current financial climate leaves a lot to be desired. Without adequate planning, your current budget can quickly get out of hand. If you’re struggling to take control of your finan… Read More
![Is No Credit Better Than Bad Credit? [All You Need To Know]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-2949635639.w320.jpg "Is No Credit Better Than Bad Credit? [All You Need To Know]")
2023-09-18 08:41
In the ever-evolving landscape of personal finance, the question of whether “no credit” is better than “bad credit” is one that consistently perplexes individuals str… Read More
![What Is The Minimum Credit Score For A Mobile Phone Contract? [UK 2023]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-3681039030.w320.jpg "What Is The Minimum Credit Score For A Mobile Phone Contract? [UK 2023]")
2023-09-06 05:45
In the UK, when you’re looking to get a mobile phone contract, your credit score plays an important role. This score reflects your financial history and how well you manage your debts… Read More
2023-09-04 16:58
The decision between should I pay off my mortgage early or maximise my savings can often feel like a puzzle waiting to be solved.
The United Kingdom’s dynamic housing market and eco… Read More
2023-08-22 20:25
As individuals navigate their financial journeys, unexpected circumstances may lead to County Court Judgments (CCJs), which can significantly impact their creditworthiness.
A CCJ is a cou… Read More
![What Is A Fair Credit Score In 2023? [A Detailed Guide]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-3701686427.w320.jpg "What Is A Fair Credit Score In 2023? [A Detailed Guide]")
2023-08-22 19:40
Your credit score is a pivotal element for proving creditworthiness to banks or any other financial institution. There are different ranges of credit scores, varying from Excellent to Fair t… Read More
2023-08-22 19:20
Using a credit card strategically remains an effective method to build and improve your credit score. A credit card can be a powerful financial tool if managed responsibly, as it provides an… Read More
![How To Build Credit At 18? [9 Best Tips]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-2091032758.w320.jpg "How To Build Credit At 18? [9 Best Tips]")
2023-08-16 12:36
Building credit history is a crucial step towards financial independence and stability. When you turn 18, you have the opportunity to start establishing your creditworthiness, which will imp… Read More
2023-08-16 12:16
In the world of personal finance, credit reports play a significant role in determining an individual’s creditworthiness. These reports provide a comprehensive overview of an individua… Read More
2023-08-16 11:50
Short term loans can be a convenient way to manage unexpected expenses or maintain cash flow. However, before applying for one, it’s important to weigh the advantages and disadvantages… Read More
2023-08-16 11:08
Retirement is a time to enjoy the fruits of your labour, relax, and pursue your passions. Many people dream of retiring early at 55, and that dream can become a reality.
But how muc… Read More
2023-08-09 07:45
Building your credit score without a credit card is possible through many ways. While credit cards are commonly used to establish credit history, several other strategies can help build and… Read More
2023-08-08 07:34
In the world of lending, short term loans and payday loans are two commonly sought-after options for individuals facing urgent financial needs. These types of loans provide quick access to f… Read More
2023-08-08 07:13
Welcome to our comprehensive guide on comparing payday loans vs instalment loans, two popular borrowing options for short-term financial needs. Understanding the difference between these two… Read More
2023-08-07 18:46
Payday loans used to be popular in the UK, with many individuals looking towards them as a solution for their financial needs. Although, many payday lenders have gone out of the market and s… Read More
2023-08-07 18:38
Trying to save money for a better future while being on a limited budget can be an uphill struggle. However, it is achievable by undertaking some minor lifestyle adjustments that could save… Read More
![What Is The Average Salary Vs Cost Of Living In UK [2023 Guide]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-206132150.w320.jpg "What Is The Average Salary Vs Cost Of Living In UK [2023 Guide]")
2023-08-02 14:43
With the rising cost of living in the UK, there’s growing concern about affordability in 2023 and beyond. While the average salary increased by approximately 7.6% for private section a… Read More
![What Credit Score Is Needed To Buy A House? [Guide For UK]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-288915124.w320.jpg "What Credit Score Is Needed To Buy A House? [Guide For UK]")
2023-07-31 18:54
For prospective homebuyers in the UK, understanding the importance of credit scores is crucial when embarking on the journey of homeownership. Your credit score plays a pivotal role in deter… Read More
![Why Has My Credit Score Gone Down? [9 Top Reasons]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-3331662741.w320.jpg "Why Has My Credit Score Gone Down? [9 Top Reasons]")
2023-07-28 16:32
Why has my credit score gone down? It’s a question that can leave you feeling puzzled and concerned. Your credit score is a crucial factor that lenders use to assess your financial hea… Read More
![What Does Your Credit Score Start At? [A Must Read Guide]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-125732848.w320.jpg "What Does Your Credit Score Start At? [A Must Read Guide]")
2023-07-27 14:02
Understanding what does your credit score starts at is a crucial step for anyone in the UK embarking on their financial journey or looking to improve their financial health. When you first e… Read More
2023-07-27 13:40
If you’re currently facing loan rejections, it’s important to remember that you’re not alone. Numerous factors can contribute to a loan application being turned down, inclu… Read More
![How To Get Out Of Payday Loans? [13 Best Ways]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-3335637775.w320.jpg "How To Get Out Of Payday Loans? [13 Best Ways]")
2023-07-20 08:00
Payday loans can be a quick solution for temporary financial troubles, but if not managed properly, they can quickly become trouble and put you in a debt cycle which can become difficult to… Read More
2023-07-18 15:01
If you are declared bankrupt, it can be a challenging and emotionally taxing experience. One of the pressing concerns for those who have gone through bankruptcy is how long it will take for… Read More
2023-07-17 21:11
When it comes to financial emergencies, or unexpected expenses, payday loans may seem like a quick solution. But are payday loans bad? A payday loan can be a quick way to get the cash you ne… Read More
![How Many Payday Loans Can You Have At Once? [2023 Updated]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-1369344293.w320.jpg "How Many Payday Loans Can You Have At Once? [2023 Updated]")
2023-07-14 10:35
Payday loans can provide quick access to cash in times of financial emergencies. However, it’s important to understand the risks of taking multiple payday loans. In this article, we wi… Read More
2023-07-13 06:30
Payday loans are a popular financing option among individuals who face difficulty in getting approved for traditional forms of financing. While payday loans can provide quick access to cash… Read More
2023-07-12 13:51
Are you facing a sudden financial emergency and need quick cash? A payday loan can be a viable solution to meet your immediate financial needs. However, getting accepted for a payday loan re… Read More
2023-07-05 12:11
Having a good credit score is essential for securing favourable financial opportunities, whether it’s obtaining a mortgage, getting a car loan, or even applying for a credit card. But… Read More
2023-07-04 13:23
Your credit score is a crucial factor in determining your creditworthiness and financial health. It provides lenders with an assessment of your credit risk and can influence your ability to… Read More
2023-06-30 11:25
Moving abroad from the UK can be an exciting adventure that offers new opportunities and experiences. But it’s essential to consider the impact this move can have on your financial sta… Read More
![How To Save For A House Deposit In 2023? [8 Best Ways]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-503923347.w320.jpg "How To Save For A House Deposit In 2023? [8 Best Ways]")
2023-06-24 11:17
The Office for National Statistics has reported that the average housing prices in the UK have increased by 4.1% year on year. The average price for a house was £2,85,000, higher by &p&hell…Read More
![How To Save Money From Salary? [12 Great Ways]](https://cdn.blogarama.com/images/posts_thumbs_site_id/1444/144441-3972138809.w320.jpg "How To Save Money From Salary? [12 Great Ways]")
2023-06-22 12:40
Did you know that almost a quarter of Brits don’t put any of their monthly wage into savings? Living paycheck to paycheck can make it difficult to reach your financial goals. But if yo… Read More
2023-06-13 07:45
If you’ve ever had a loan, credit card, or other type of debt, then it’s likely you’ve heard of the term “default.” A default is when you fail to make payments… Read More
2023-05-19 08:00
Are you wondering “Why Can’t I Get a Loan?” If you’ve been rejected for a loan, you’re not alone. There are various factors that can impact your ability to borr… Read More
2023-05-18 08:00
Living a comfortable lifestyle is essential to having the mental peace and energy to live freely.
That said, living in the UK is not cheap, which raises the question, how much money do yo… Read More
2023-05-17 08:00
As a teenager in the UK aged 18 and over, there are many ways to earn money online.
Their path to a steady income could include starting a small business, offering services to your neighb… Read More
2023-05-16 08:00
Teenagers are at the prime of their lives. They have big dreams and aspirations. However, more often than not, most teenagers need access to finance to make their dreams and goals their real… Read More
2023-05-15 08:00
According to recent reports, 69% of UK residents aren’t aware of their credit scores.
Taking out a loan can offer a range of advantages. For example, it can help –
Improve… Read More
2023-05-14 08:00
Whether you’re travelling to work or for vacation, train fares can quickly add up. Making a dent in your budget. We know that finding cheap train tickets is a major pain point for many… Read More
2023-05-13 08:00
In the UK, the average consumer spends £333.11 a monthly on credit cards. And a staggering £1,174.62 is owed on credit cards by each individual each month.
Paying off credit c… Read More
2023-05-12 21:10
If you’re reading this, chances are you’re eager to know how to retire early with no or little money in the UK.
You want to take control of your finances and prepare for a fut… Read More
2023-05-11 10:32
Are you seeking a practical solution to save £20000 in a year?
If yes, you’re at the right place!
According to stats, 34% of adults have no savings or less than £1000… Read More
2023-05-10 09:33
Are you looking for a way to save an emergency fund?
With the rise in inflation, expenses, job insecurity, and living costs, it’s no surprise that having good emergency savings is e… Read More
2023-05-09 06:30
Lending money to friends and family members can be a tricky affair.
Be a sibling, cousin, family member, or your best friend who needs money, the decision to lend money to them shouldn&rs&hell…Read More
2023-05-08 06:13
There is nothing more exciting and challenging than being a new parent. Along with its endless joys, it can also bring financial stress. One that can burden your budget.
For… Read More
2023-05-07 14:56
Between covering the cost of the festive season and the sharp increase in fuel bills across the winter months, getting on top of your finances can save you big in the long term. Follow the b… Read More
2023-05-06 09:50
In today’s financial climate, budgeting is the best way to manage your money. Now that everything is at your fingertips, including banking, it’s easy to keep track of your money… Read More
2023-05-05 06:59
In today’s digital world, information is available at your fingertips. There are health apps that keep you updated on your exercise routine. There are maps to ensure you are on track t… Read More
2023-05-04 05:57
The 50/30/20 rule is a common budgeting method to manage your finances. It allows you to allocate the spending categories in your personal or household budget. This budgeting strategy … Read More
2023-05-03 06:53
Savings are a crucial part of money management. The earlier you can start to build financial habits, the better. Research shows that 47% of adults aged between 18-24 have little (less than … Read More
2023-04-27 11:32
Have been refused for a loan everywhere in the UK? This is a frustrating situation that many people in the UK face, especially when you need to borrow money urgently.
However, you should… Read More
2023-04-26 09:49
Saving money can be a difficult task, especially when you’ve never saved before. However, with the 52 week money saving challenge, you should be able to save money in a realistic way… Read More
2023-04-24 10:10
If you are living paycheck to paycheck, the 1P savings challenge could help you save money. This simple yet powerful money saving strategy can help you to build up your savings over time, wi… Read More
2023-04-19 13:33
Improving your credit score might seem like a complex and time-consuming process, but it doesn’t have to be. It’ll take some patience but if you make the effort, you’ll be… Read More
2023-04-18 08:56
Personal loans are a popular way for people to fund big expenses or to pay off other debts. They offer a fixed interest rate, so you know how much you’ll have to pay back each month. B… Read More
2023-04-13 09:20
There’s no doubt, London is a vibrant city. It’s overflowing with history, beautiful spaces, all kinds of entertainment, and great places to eat. There really is something for ev… Read More
2023-04-11 07:36
If you’re like most people, you probably spend a lot of money on food and grocery shopping every month. But what if we told you that there are simple ways you can save money on your fo… Read More
2023-04-07 21:36
Water is one of the most essential things that we need in life, yet we take it for granted. So much so that it’s easy to forget that we pay for it. The average water bill was £40… Read More
2023-04-06 08:46
Saving money on a low income can be challenging, but it’s not impossible. With some simple planning you can save money fast on a low income. If you have a low income but want to save m… Read More
2023-04-04 13:36
Do you want to know how to save money each month? Saving money should be included as part of your monthly expenses. It can help you build an emergency fund, pay off debt faster, and begin in… Read More
2023-04-03 14:13
Going on a holiday is a great way to escape the daily grind and relax for a few days. But saving money for that perfect getaway can be challenging. Especially if you’re living pay chec… Read More
2023-02-22 11:38
Experian is a Credit Reference Agency (CRA) that’s been around for over 125 years, operating in 37 countries. There are three main credit reference agencies in the UK, Experian, Equifa… Read More
2023-02-22 11:17
Equifax is a consumer Credit Reference Agency (CRA). They’re one of the top three agencies in the UK alongside Experian and TransUnion. Their head offices are in Atlanta, Georgia in th… Read More
2023-02-22 10:19
Credit Reference Agencies (CRAs) are independent companies that store information about your credit history. When it comes to getting a loan or credit card, lenders will look at your credit… Read More
2023-02-22 09:07
If you’re self-employed, you might know that it can be trickier to get a loan. Lenders can be hesitant to give loans to people who are self-employed because their income isn’t gu… Read More
2023-02-22 08:50
‘Adverse credit’ is a term used to describe someone’s credit history when it is ‘bad’ or ‘very poor’. With adverse credit it can be much harder to t… Read More
2023-01-31 14:27
It’s January. You’ve only just finished putting the tree down. Why on earth are we talking about next Christmas? While Christmas is a joyful time of year for many of us, it can a… Read More
2023-01-31 14:14
When you’re in a bind and need money fast, payday loans can seem like the perfect solution. But they usually come with high interest rates and there are often fees associated with thes… Read More
2023-01-31 14:03
If you’ve ever owed money on a credit card, you know how expensive it can be. With interest rates around 20%, it’s not hard for your debt to spiral out of control. A balance tran… Read More
2023-01-31 13:38
TransUnion is one of the three main Credit Reporting Agencies (CRAs) in the UK. It was founded in 1968 with its headquarters in Chicago, USA. It’s now in over 33 countries. TransUnion… Read More
2022-12-20 10:38
If you have bad credit, you may think it’s going to be difficult to open a bank account, but it’s not. There are bank accounts that you can apply for that are designed for people… Read More
2022-12-20 10:36
Have you got bad credit but want to get a credit card? If so, you’re not the only one. There are lots of people with bad credit, but it doesn’t mean they can’t have a bad c… Read More
2022-12-20 10:34
Your credit score is one of the most important aspects of your financial life. It can affect many things from your ability to get a loan to the interest rate you’re offered on a mortga… Read More
2022-12-20 10:33
Many of us assume that leasing a car with bad credit isn’t an option. But it is! Depending on where you live, driving is a necessity, and the good news is that you don’t need a p… Read More
2022-12-20 10:33
So, you’ve found a great house or flat to rent, but you’re worried about your bad credit affecting your rental application. This can seem like a tricky situation, but it’s… Read More
2022-12-20 10:32
Are you struggling with debt? Or maybe you have bad credit and are looking for ways to become debt free? If so, you might be considering a debt consolidation loan. This can be a good option… Read More
2022-10-07 07:17
With energy prices on the rise, many of us are looking for ways to reduce our electricity bills. Solar panels are a viable way of cutting your electricity bills (although they can… Read More
2022-07-12 13:53
Have you ever wondered how your credit score compares with everyone else’s in the UK? Knowing what the average credit score is can give you an idea of how well you’re doing with… Read More
2022-07-12 13:36
Making home improvements are a great way to increase the value of your property, or make a house your home, but it’s often expensive. When it comes to finding the money to finance your… Read More
2022-07-06 13:47
It’s a question that crosses the mind of many parents – how can I help my teenager manage their money? The teenage years are not always the easiest. But as your children grow int… Read More
2022-07-06 09:53
You may think that it would take months or years to improve your credit score and for some people that may be true. Especially if you’ve made some serious financial mistakes in the pas… Read More
2022-06-14 13:16
Every adult in the UK has a credit score. It’s a reflection on how well you manage your debts, and it helps lenders decide if they should lend to you. A low credit score tells the lend… Read More
2022-06-09 15:08
We all know the importance of saving money, life would be so much easier if we were financially stable. But how do we get there? Well, we could spend less on luxury items and control unneces… Read More
2022-06-05 15:49
The Covid-19 pandemic has affected all businesses over the past couple of years. For some it’s given them a boost in profits, for many it’s been a struggle. As we emerge from it… Read More
2022-06-02 07:18
If you wanted to take out a short term loan, payday loan, bad credit loan or any other type of loan, chances are you’d go online and choose a loan company. But do you know who you&rsqu&hell…Read More
2022-05-30 14:17
You can’t borrow money for free. When you take out a loan, you’ll be expected to pay back the interest on it too. This applies to all types of loans, including short term loans a… Read More
2022-05-26 14:03
Unexpected emergencies tend to creep up on us at the wrong time. They become harder to deal with when we don’t have enough cash to cover what’s needed. At times like these, you m… Read More
2022-05-23 07:42
Running your own small business can be rewarding. But when it comes to finances, it’s often challenging. There’s a lot to keep on top of, including expenses to keep track of invo… Read More
2022-05-19 07:44
You might have heard a lot about what payday loans are and how payday loans can help you access money when you need it. But did you know there are many other benefits as well?
In this gui… Read More
2022-05-16 06:24
Your credit score matters and can make the difference when you’re applying for a loan or for a credit card.
With a good credit score, the chances of your loan or credit card being a… Read More
2022-05-12 06:36
Have you ever dreamed about being financially stable or financially free? Imagine not having to worry about how you’re going to make ends meet. Being financially stable is a great posi… Read More
2022-05-09 07:24
Living life for today is the only way to live right? No, that’s wrong. Spending everything you earn just so you can have what you want today is not the best way to live. Yes, you may h… Read More
2022-05-05 06:22
We’d all love to spend less and save more, but how? Which expenses can you cut back on? You may feel stuck if you can’t think of anything you’d be happy to go without. Whil… Read More
2022-05-02 07:16
With so many scams around, it’s hard to know if a loan company you’re dealing with is real or fake. No one wants to lose their money to scammers or become a victim of fraud. That… Read More
2022-04-28 06:15
Are you thinking of applying for a loan, credit card, or any type of financial contract? If you are, then the company you’re applying with will want to carry out a hard credit check or… Read More
2022-04-25 10:22
Do you know what you spend your money on? You might have a general idea but a lot of us don’t know where all our money goes. You think you can afford to live on your salary but then yo… Read More
2022-04-21 05:00
We’ve all been there. We’ve worked out how much we need each month, and we should have money left over. But we end up running out and not saving anything.
Spending habits can… Read More
2022-04-18 08:17
Are you unsure about what’s involved with a guarantor loan?
If someone can’t take out a loan because of their credit history, a guarantor can help them get one.
The type of… Read More
2022-04-14 08:45
If you borrow money and don’t pay it back, the lender who you borrowed from could take further action. One way they can do this is by registering a County Court Judgement (CCJ) against… Read More
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