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

2.3 out of 5
196 Ratings

196 Ratings

Ay_Naff ,

Terrible app, great idea

I had so much trouble creating an account and I tried logging in with Facebook and it still wouldn’t go through. Had some trouble finding my university but eventually found it by searching it. The look of the app looks kind of cheap and the APR for any amount above $500 is ridiculous. It’s 24%! So not that helpful for students looking to borrow higher than $500. Good for small amounts of money for 0% interest but otherwise public and most private student loan interests rates are significantly better for amounts greater than $500.

Developer Response ,


We had some long chats on Facebook Messenger. We appreciate your diligence. No one's perfect. Give us a try again with version 3.0. We took your feedback and enhanced the onboarding experience and maximized the chances of students getting credit from our app.

We are still offering credit at 0% interest while building credit for 22 million students.

Team Fluid

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

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 (1st generation), iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone SE (2nd generation), 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, iPad Pro (12.9‑inch), iPad Pro (12.9‑inch) 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 (6th generation) Wi‑Fi + Cellular, iPad Pro (11‑inch), iPad Pro (11‑inch) Wi‑Fi + Cellular, iPad Pro (12.9‑inch) (3rd generation), iPad Pro (12.9‑inch) (3rd generation) 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, iPad (7th generation), iPad (7th generation) Wi‑Fi + Cellular, iPad Pro (11‑inch) (2nd generation), iPad Pro (11‑inch) (2nd generation) Wi‑Fi + Cellular, iPad Pro (12.9‑inch) (4th generation), iPad Pro (12.9‑inch) (4th generation) Wi‑Fi + Cellular, and iPod touch.



Age Rating
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.


  • Family Sharing

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

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