About StrideFi

StrideFi is the consumer lending business of Stride Financial LLC, licensed under the Florida Consumer Finance Act (Chapter 516) and regulated by the Florida Office of Financial Regulation. We write unsecured personal installment loans of $2,000 to $10,000 to Florida residents.

We lend our own capital. We are not a marketplace, a lead generator, or a broker, and we do not sell your application to other lenders.

Why we underwrite on cash flow

A credit score summarises how someone has handled credit in the past. It is useful and it is incomplete — particularly for people with thin files, irregular income, or a rough patch that has since passed. It says very little about whether a specific monthly payment is affordable right now.

So we read both. With your permission we connect your bank account for read-only verification and model your net monthly income and balance history, then test the monthly payment we would quote against that income — alongside credit-risk data from a consumer reporting agency. The test is set against the payment rather than the amount requested, which is why a smaller loan or a longer term can change an outcome.

The consequence we care about most: this lets us say no for a reason we can articulate, and say yes to people a score alone would have turned away. Neither is a favour. A loan somebody cannot afford is a bad loan for both of us.

A person reviews every approval

Automated underwriting runs first and can decline an application. It cannot approve one on its own: every approval is reviewed by a human underwriter before any money moves, and the thresholds that automated review applies are recorded against the decision so it can be audited afterwards.

That is the reason we do not advertise instant decisions or same-day funding. It is a real cost in speed, paid deliberately.

What we do not do

  • No payday or deferred-presentment loans. Those are a different product under a different Florida chapter. Every loan we write amortises over a 12-month term.
  • No title or secured lending. Our loans are unsecured. We do not take your vehicle, your home, or anything else as collateral.
  • No origination or application fees. The full principal is disbursed to your account, and there is no prepayment penalty.
  • No rollovers or refinancing into a new fee. An installment loan is repaid on schedule; there is no mechanism to extend it for a charge.
  • No selling your data. Your application data is used to underwrite and service your loan and to meet our legal obligations. We do not sell it. See our privacy policy.
  • No lending outside Florida. Our licence is a Florida licence, and we lend only to Florida residents.

How we are regulated

Charging Chapter 516 rates requires an active consumer finance licence from the Florida Office of Financial Regulation — lending at those rates without one is criminal usury under Chapter 687, so the licence is the whole basis of the business. Our licence number is printed in the footer of every page and on our licensing page, where you can also find how to verify it and how to complain about us.

Federal law applies on top of that: Truth-in-Lending disclosures before you sign, Equal Credit Opportunity Act protections including a written statement of reasons if we decline, Fair Credit Reporting Act rights around the consumer reports we use, and anti-money-laundering and sanctions screening on every application.

Related pages

StrideFi is an online lender — we have no branch locations. Loans made by Stride Financial LLC under the Florida Consumer Finance Act (Chapter 516) to Florida residents statewide. Amounts from $2,000 to $10,000; APR 28.99%–35.99%; terms up to 12months; no prepayment penalty. Approval, loan amount, APR, and term depend on underwriting, including identity, income, and bank-account verification — not every applicant qualifies, and applying is not a guarantee of credit. Funding times depend on your bank's ACH processing.