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How It Works

Enjoy a straightforward process from beginning to end.

  1. Begin Your Application

    Provide a few personal details about yourself to get started.
  2. Review Your Offer

    Learn how much you're eligible to apply for and whether you qualify.
  3. Customise Your Loan

    Select a loan amount and term you're eligible for.
  4. Submit Your Application

    Review and electronically sign your contract, and upload proof of income to submit your application.
  5. Verify Your Application

    After submitting your application, one of our loan processing agents will review and verify your information. This process may take a couple of days.
  6. Get Funded

    If approved, receive your money the same day as approval.
Representative Example:

Amount of credit: £2,000 for 36 months at £93.90 per month. Total repayment of £3,380.40. Interest: £1,380.40. Interest Rate: 38% pa (fixed). 45.3% APR representative.

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Frequently Asked Questions

  • What services does On Stride Financial provide?

    On Stride Financial is a direct lender that offers unsecured personal loans ranging from £1,000 to £10,000 at rates as low as 29% to residents of the United Kingdom. Approved customers will choose to repay their loan over 1-5 years.

  • Who can apply for a personal loan?

    In order to apply for an On Stride Financial loan, you must be at least 18 years old, have a valid UK bank account, have a valid debit card, be employed and receiving a regular paycheque, and be a resident of the UK.

  • What does representative APR mean? Is that the rate I will actually qualify for?

    All lenders in the United Kingdom are required to clearly display 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.

  • Can I repay my loan early?

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

  • What information do I need to complete the online application?

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

    • Your address information
    • Your employment details
    • Your bank account number and branch sort code
    • Your paycheque and income frequency details
    • Your debit card details
    • A bank statement that is dated within the last 30 days