Frequently Asked Questions

On Stride Financial is a direct lender that offers unsecured personal loans ranging from £150 to £5,000 to residents of the United Kingdom. Repayment periods range from six months to three years.

All lenders in the United Kingdom are required to clearly display the Representative APR on any marketing materials, including the website. The Representative APR is what 51% of consumers who enter into a credit agreement with the lender will receive. The rate that you qualify for will depend on several factors, including your credit rating and the information submitted in your application.

If approved, you can use your On Stride Financial loan for a variety of purposes, including making repairs to your car, home improvement projects, etc.

On Stride Financial does not charge any application fees for arranging your loan.

On Stride Financial only offers unsecured personal loans.

In order to apply for an On Stride Financial loan, you must:

To help process your On Stride Financial application faster, we recommend you have the following information to hand:

Your loan will typically be funded into your bank account within ten minutes of approval.^§

On Stride Financial uses the latest security technology to ensure your personal information is protected, including Secure Socket Layer (SSL) encryption and McAfee SECURE™. We scan our website daily for malware, malicious JavaScript and suspicious redirections so your sensitive data remains safe and private at all times.

If you’re unable to repay your On Stride Financial loan for whatever reason, call our customer support centre on 0800 210 0925 as soon as possible so we can arrange a payment plan that works best for you.

If you miss a repayment, call our customer support centre on 0800 210 0925 as soon as possible so we can help you get back on track to repaying your On Stride Financial loan. You can be charged £15 if you make a late payment. We may also charge you default interest on any outstanding principal at the same daily interest rate as your contracted interest rate, beginning on the first calendar day after the repayment date.

Missing payments can make it more difficult and/or expensive for you to obtain credit in the future if we report your default to credit reference agencies.

Yes, you can repay your On Stride Financial loan any time, partially or in full, with no prepayment penalties.

Your due dates will line up with your pay dates. For example, if you are paid fortnightly, you will have fortnightly due dates.

When you take a loan with us, you provide us with a Continuous Payment Authority (CPA) or a Direct Debit Instruction (DDI), permitting us to collect the amount due on each due date from your bank account or debit card.

Continuous Payment Authority (CPA) is a type of automatic payment that authorises a lender to withdraw sums from a borrower’s nominated bank account using debit card details, subject to specifically agreed terms which are fully disclosed and agreed on through the loan application process. Once agreed by a customer, CPA allows a business to automatically take a payment or series of payments from a customer’s debit card on the customer’s payment date.

Customers can cancel their CPA with their bank, their card provider or the company taking the payment. Customers advising the bank or card issuer that they have stopped permission for the payments should also notify us.

Customers may cancel their CPA by contacting us directly either by phone or email and requesting to cancel their CPA. If you cancel your authority for the repayment of your loan with us, you will still be responsible for paying any money that you owe, including any charges which may accrue. An alternative means of repayment will be agreed upon.

Direct Debit Instruction (DDI) behaves similar to an electronic cheque. On Stride Financial sends a payment notice directly to your bank, and the bank then sends the payment amount back to On Stride Financial.

Yes. Eligible borrowers may take out additional funds on top of their current loan.

You can think of a Top-Up as a new loan that your current loan is rolled into. It allows you to get additional funds on top of the amount you have already borrowed, without having to wait until you have paid off your current loan.

The additional funds you borrow will be added to your current outstanding principal balance, and daily interest will accrue on your new total outstanding principal balance. Your repayment period will also be recalculated, and in most cases will extend the time you have to pay back the additional funds.

If eligible to apply for a Top-Up, the amount you could be approved for depends on your initially approved loan amount. For example, if you were approved for £3,000 and only took out £2,000, your maximum Top-Up amount would be £1,000.

Only eligible customers can apply for a Top-Up. To check your eligibility, log in to your account. If you're eligible, there will be a button that says "Apply for Top-Up." That button will take you to the Top-Up application page.

To update your debit card details or direct debit details, please contact our Customer Support Team via phone on 0800 210 0923. Please be ready with your new debit card number or branch sort code, as well as your bank/building society account numbers. Please note that we cannot update this information via email.

To update your personal and employment information, please do the following:

1. Log in to your account using the Log In fields at the top of the screen.

2. Click on the corresponding link of the information you need to change under the “Account Information” header.

3. Make the change and click “Update Information.” Please note that some information cannot be updated unless you contact our Customer Support team on 0800 210 0923.

To reset your password, please do the following

1. Click the "Log In" button on the top of the page.

2. Enter your email address and click "Forgot your email or password?"

3. Check your email for a temporary password.

4. Log in to your account with the temporary password and update your password when prompted.

If you’re already logged in to your account and would like to change your password, simply click on the “Change Password” link under the "Account Information" header.

To ensure you receive important emails from On Stride Financial, please take a moment to add our email address (support@onstride.co.uk) to your address book. Sometimes new email spam filters incorrectly categorise messages from On Stride Financial as “unsolicited” and redirect them to a spam, bulk or junk email folder, or even delete them altogether. Read on for instructions on how to add On Stride Financial to your address book in Outlook and Gmail:

• Outlook instructions

• Gmail instructions

You have the right to access and download (port) your personal records and information. This information is limited to information you have provided us and certain information generated by your activities with us. To request your data be ported, you may log into your account and choose to download and send this data. This information will be prepared in a secure format and will then be available shortly after for download. In limited instances, certain data may not be provided upon request if that personal data concerns other individuals or if providing it would result in a release of information covered by our trade secrets or intellectual property rights.

You have the right to access your personal records and information that we hold about you. For access to information provided by you or generated by your activities, you may log in to your account and choose to download this data. This information will be prepared in a secure format and will then be available shortly after for download. For a more complete list of data held about you, including data obtained from third parties, please email GDPR@onstride.co.uk with your request. Please note that this request may take up to 30 days to complete. In limited instances, certain data may not be provided upon request if that personal data concerns other individuals or if providing it would result in a release of information covered by our trade secrets or intellectual property rights.

You have the right to update any outdated or inaccurate data held about you, and to complete any incomplete data held by us. You may update personal details or employment data by logging in to your account or by calling 0800 210 0923.

You have the right to object to processing where processing is based solely on our legitimate business interests.

If you are currently receiving marketing communications, you are able to change your preferences at any time by one of the following methods:

Via email: Click the "Unsubscribe" link in any email communication and enter your email address on the next screen.
Via the web: Update your subscription information in your account.
Via SMS: By following the unsubscribe link in your SMS communication.

If you object to our processing based on our legitimate business interests, please note that the processing shall cease only where your rights outweigh our compelling legitimate grounds for processing. You may request this right by emailing GDPR@onstride.co.uk.

We use automated decision making as part of our fraud prevention identity verification. We may also use automated decision making in our credit underwriting process. This process takes into account customer stated data such as income, expense and employment information, as well as third-party data, such as credit reference data or published national household income and expense averages, to judge creditworthiness of an applicant and affordability of the requested loan. Such automation ensures that each customer is treated consistently and is evaluated objectively and allows us to make fair and responsible lending decisions.

Each loan is manually reviewed as part of our loan application process; however, you may still provide your opinion or contest the decision. You also have the right to object to the automated processing for direct marketing purposes. For automated processing requests, please contact us at Privacy@onstride.co.uk.

We will delete or anonymise data when, in accordance with our Data Retention Policy, we no longer need to process it. If we anonymise data, we may continue to use it (in anonymised form) beyond periods specified in our Data Retention Policy. You have the right to request us to delete your data sooner for a number of different reasons, for instance, if it was unlawfully processed and you may do so by sending your request to GDPR@onstride.co.uk. We will review your request and respond within one month.

You have the right to request us to limit the use of your data for a number of reasons, including if you have requested we correct data about you, you have objected to our use of your data, and if you believe your data was processed unlawfully, or if you need us continue to store your data for legal reasons related to you. Please note that in the event you request restriction, we will continue to store it according to our Data Retention Policy. If you would like to request restriction please email GDPR@onstride.co.uk.

Yes, On Stride Financial (previously operating under the entity EuroNetCash, LLC) has merged with and now operates under CashEuroNet UK, LLC. This means CashEuroNet UK, LLC, has legally taken responsibility for all of On Stride Financial's past and current loans.

Think of this merger as a corporate restructuring. CashEuroNet UK, LLC and EuroNetCash LLC are partner companies, owned by the same parent company. This merger allows us to streamline our processes, which means we can expand our lending options and make for a better borrowing experience for you, our customer.

This merger will not impact your rights or our obligations, and your experience with On Stride Financial should not substantially change. Any of the rights you previously had, including GDPR rights or the right to complain, remain as they were.

If you have an existing loan, your scheduled payments will continue to be due on the same dates, and you'll be able to log in and apply for new loans on this website. If you have any additional questions, our contact information will also remain the same and we’d be happy to answer any of your questions.