What is it about?
Fluid Credit is a product of Kuber Inc.
App Store Description
Fluid Credit is a product of Kuber Inc.
Get up to $100 at no-interest and up to $500 with low interest with the Fluid Credit. Fluid is designed exclusively designed for 22 million college students in the United States.
How it Works:
• Create a profile and tell us how much money you need.
• Pick a funny story and add a tagline.
• Connect your bank and get approved.
• Receive your funds.
• See others in your school and view their stories.
• Fluid Credit will report your borrowing and payment activities to credit bureaus to build your credit.
• Fluid Credit Club members enjoy guidance with their credit and spending behaviour to increase their awareness of credit building and savings
• Borrow again when your loan is paid off to keep building your credit score.
What is Fluid?
Fluid is a mobile app designed to help millions of university students get funds quickly and build credit via a 0% ~ low-cost installment loan. Borrow up to $500 and payback in 3 to 6 months.
Is it really free?
Yes! We do not charge any interest and fees to use the app or borrow from Fluid. You will have to get approved through our underwriting criteria.
How much money can I borrow?
With Fluid, you can borrow up to $500.
How long does it take to get approved and receive funds?
Getting approved takes only a few minutes. It may take 1 to 3 days to get your money deposited into your bank account, but it can be even faster.
Why use Fluid instead of the competitors?
Fluid offers a no interest installment loan product. That is truly unique and one of a kind. We work with major credit bureaus to help students to start building credit while they are getting a great university education.
Will using Fluid help me build credit?
Yes! Fluid works with some of the biggest national credit bureaus to report borrowing activity to help you build credit. We will also publish education material and data to make financial education less daunting.
Can I still use Fluid if I have an average or low credit score?
Fluid actually helps you to start building your credit.
Often, our borrowers are new to credit or haven’t had the chance to establish their credit. Although your existing credit profile is part of our underwriting criteria, it is not the only aspect of our approval decision.
What happens if I’m late on a payment?
We understand that from time to time, our borrowers might run into difficulties to make a payment. We will work with individuals to get back on track. We don’t assess any late fees for missed payments but we do report late, missed payments and charged off accounts to major credit bureaus.
Is Fluid available in my state?
Fluid is currently licensed to lend in 36 states. Please check out our website to see if Fluid is available in your state.
We are constantly seeking lending licenses and we hope to be in all 50 states soon.
What does ‘Social Credit’ mean?
Fluid creates a unique social environment where borrowing activities are delivered within a news river format within each university community.
Create a story to describe what you're borrowing for. View, up-vote, or down-vote stories from other students at your university, and the Fluid community across the US .
How do you protect my personal information?
We take your personal and financial data protection seriously. At no time will your personal information be shared or sold to any Fluid partners or affiliates without your consent. We work with reputable retailers to bring you curated discounts and offers within the Fluid app and your inbox. These offers are sent and displayed based on summarized information and we will not directly expose your personal information.
Please send feedback to [email protected], we'd love to hear from you.
Terms and conditions apply; see Fluidfi.com for eligibility. Kuber Financial, LLC CFL#60DBO-58789
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