FLUID is world’s first personal lending app specifically designed for the next generation of consumers. We’ve created a brand new way to get credit, build credit and invest all in one simple to use app.


Founded in 2016 by a team of millennial fintech entrepreneurs with a simple mission of building the best personal finance app, believing the intersection of financial product, mobility and real time information is what’s next for a new generation of consumers.


FLUID is exclusive available for the 20 million plus university students in the United States. With more than 4+ million incoming freshman every year across 4,000 universities, our students deserve a better way of access and build their credit.


We love our customers and welcome your feedback and suggestions. Use our Contact Us page to tell us what we’re doing right or what we can improve on.

From our staff at Fluid, thank you for your support!

Timothy Li - Founder and CEO Kuber Inc.