The Beginner’s Guide to Using the Fluid Credit App

The fundamentals of getting started with Fluid Credit App and how to get and make use of a Credit Score.

FLUID didn’t happen by chance. It is built by a group of like-minded entrepreneurs, engineers, legal/compliance experts and product designers with a passion to deliver the best personal finance app for the next generation of consumers.

Get up to $500 at 0% interest with the Fluid Credit app exclusively designed for 22 million college students in the United States. Automatic payment installments make it easy to payback and build your credit without any fees.


  • An interest free loan up to $500 right from your phone.
  • Fluid Credit will report your borrowing and payment activities to credit bureaus to build your credit.
  • Borrow again when your loan is paid off to keep building your credit score.
  • NEW: California students can borrow up to $900. Loans greater than $500 are subject to interest and fees.

How it Works:

  • Create a profile and tell us how much money you need.
  • Pick a funny story and add a tag line.
  • Connect your bank and get approved.
  • Receive your funds.
  • See others in your school and view their stories.

In this e-book you’ll learn:

  • A – Z on how to use the Fluid Credit App.
  • How is a credit score used?
  • What factors impact my credit score?
  • How can I build credit from nothing?
  • What is prime credit?
  • What is considered a prime credit score?
  • What is considered a subprime credit score?
  • What should I do when my credit score goes up?
  • I will not be able to make my payment; what should I do?
  • Where can I go to check my credit report(s)?


What is Fluid?

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.

What does ‘Social Credit ‘means?

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 .

Why use Fluid instead of the competitors?

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.

Is it really free?


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 can I borrow?

With Fluid, you can borrow $20 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.

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.

What happens if I’m late on 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.

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.

What are the requirements for a fluid account?

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.