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, we'd love to hear from you.

Terms and conditions apply; see for eligibility. Kuber Financial, LLC CFL#60DBO-58789

What’s New

Version 3.4

1. Introducing Fluid Credit Club. We will show your credit score and spending trends monthly.

2. Enhancements to the customer onboarding experience.

Ratings and Reviews

2.7 out of 5
91 Ratings

91 Ratings

Eli0323 ,


This app has to be a scam. The only way you can get a loan is by having three times the amount you are requesting. Who needs a loan if you already have three times the amount you’re requesting. Also I tired it and have way more then three times the amount I’m requesting and still got denied. The reason I was denied because I don’t have enough funds in my account which I have way more then I’m requesting. Then I look through my messages in my inbox and I have a message asking me to help some random person on here with their loan because they didn’t make their payment. You deny me for a loan but you want me to payback someone else’s loan lol. I wish I could give zero stars. #scam #wasteoftime #ripoff #stayaway #justouttogetyou #fake #removefromappstore

Avakt000000007 ,

Inconsistent and unreliable.

I was able to get my loan smoothly the first time, I paid it off a whole month early and I applied for another one. I don’t necessarily use this app for bill consolidation, I don’t even use it as a payday loan, I only use it so I can establish some sort of credit history. As I applied to get another loan it denied me due to insufficiency which makes NO sense since I have money in my bank account. I tried again and then it popped up with a screen saying I have a pending loan and I have to wait to receive my funds? Not even possible since the app seemingly denied me three times! Emailed their customer support about and never heard back. Really awful.

musicfan1990 ,

Great idea terrible execution!

This app has a great concept behind it however it requires a min of 150 dollar in your bank account to be approved. The whole reason for downloading this app was because I was short on a bill and didn’t want to overdraft my bank account. If I had 150 in my account there would be absolutely no need for me to download this app. As a result I will be sharing my experiences with all family and friends in hopes that it goes viral so that this app either reevaluates their policy’s or they get but down for shady business practices. I was able to find much better options out there and I will definitely not be using this app ever again.


Kuber, Inc.
69 MB

Requires iOS 10.0 or later. Compatible with iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPad Air, iPad Air Wi-Fi + Cellular, iPad mini 2, iPad mini 2 Wi-Fi + Cellular, iPad Air 2, iPad Air 2 Wi-Fi + Cellular, iPad mini 3, iPad mini 3 Wi-Fi + Cellular, iPad mini 4, iPad mini 4 Wi-Fi + Cellular, 12.9-inch iPad Pro, 12.9-inch iPad Pro Wi-Fi + Cellular, iPad Pro (9.7‑inch), iPad Pro (9.7-inch) Wi‑Fi + Cellular, iPad (5th generation), iPad (5th generation) Wi‑Fi + Cellular, iPad Pro (12.9‑inch) (2nd generation), iPad Pro (12.9‑inch) (2nd generation) Wi‑Fi + Cellular, iPad Pro (10.5‑inch), iPad Pro (10.5-inch) Wi‑Fi + Cellular, iPad (6th generation), iPad Wi-Fi + Cellular (6th generation), iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro (12.9-inch), iPad Pro (12.9-inch) Wi‑Fi + Cellular, iPad mini (5th generation), iPad mini (5th generation) Wi-Fi + Cellular, iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular,and iPod touch.



Age Rating
You must be at least 17 years old to download this app.
Frequent/Intense Mature/Suggestive Themes
Frequent/Intense Profanity or Crude Humor
Frequent/Intense Cartoon or Fantasy Violence
This app may use your location even when it isn't open, which can decrease battery life.
© 2017 Kuber Financial, LLC


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You May Also Like