For your convenience, many common customer questions are answered right here.

Not finding what you want? Reach out directly through our Contact Us page.

Fluid is a mobile app designed to help millions of university students get funds quickly and build credit via a 0% internet installment loan. Borrow up to $500 and pay back in 3 to 6 installment payments.
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 .
What competition?

Fluid offers a 0% interest and no fee 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.
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.
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.
With Fluid, you can borrow $20 up to $500.
There are no restrictions on how you use your finds. (Although of course we do not condone the available funds to be used on anything deemed harmful or illegal)
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.
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.
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.
Fluid is currently licensed to lend in 9 states. Please check out our licensing page 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.
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.
In order to get an approval decision from Fluid, you will need a mobile phone, a mobile phone number, a bank account, an email address issued by your university that ends in .edu email extension.
Download Fluid App from the Apple Store or follow this link.