š” A new era of financial education š” Discover the latest release of our Workplace Finance platform
Affordable, responsible credit built into your workplace finance platform.
Loans sits alongside Budgeting, Savings and Flexible Pay, supporting employees at every stage of their financial journey.
Loans built around salary with unique data around income and affordability to support responsible lending decisions.
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Most people borrow at some point to manage their financesĀ¹. Across Stream members, 1 in 3 already have a personal loanĀ², many have limited savings, and overall borrowing is higher than the national average.
When fair credit isn't available, people don't stop borrowing. They go elsewhere. The average APR Stream members pay for a personal loan on the open market is 65%Ā³.
Stream gives your employees a fairer way to borrow, with average lower rates, repayments built into their pay, and support if their circumstances change. On a Ā£3,000 loan, they could save Ā£551 in interest on averageā“.
Most people borrow at some point to manage their financesĀ¹. Across Stream members, 1 in 3 already have a personal loanĀ², many have limited savings, and overall borrowing is higher than the national average.
When fair credit isn't available, people don't stop borrowing. They go elsewhere. The average APR Stream members pay for a personal loan on the open market is 65%Ā³.
Stream gives your employees a fairer way to borrow, with average lower rates, repayments built into their pay, and support if their circumstances change. On a Ā£3,000 loan, they could save Ā£551 in interest on averageā“.
Stream loans have no additional fees for the origination, early repayment or late repayment. Compared with the average 65%ā¶ APR Stream members pay for a personal loan on open market, this represents an average saving of Ā£551 per memberāµ.
We understand that finding the best deal is important when securing a loan. That's why we're proud to offer a Price Promise on Workplace Loans . If our members have found a lower rate on a comparable loan offer, we promise to match itā·.
Repayments are aligned to pay cycles and automatically deducted when employees are paid. āØ In member surveys, around 60%āø say this is the most valuable feature, helping reduce missed payments and making borrowing easier to manage.
Loan repayments are rounded up into savings, helping employees build a financial buffer while repaying their loan. āØāØEarly results show 13% of non-savers started saving for the first time, while 36% of existing savers increased their contributionsā¹.
Members will be able to combine existing debts into a single repayment within the platform, simplifying their finances and reducing reliance on multiple lenders.
Coming soon
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The Employer Dashboard lets you track the impact of your Stream benefits, with anonymised usage data and trends. See what products are being used and how theyāre improving your colleaguesā financial health.
Break the information down by division to get a real-time picture of employeesā financial needs ā so you can enhance and improve your financial wellbeing strategy.
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Stream is an ISO 27001 certified platform that can connect to any payroll, HR or time and attendance system.
We work with your teams to handle all of the setup, including validation and compliance. That means you can launch your employeesā financial wellbeing benefits quickly and easily.
Once youāre up and running, we handle all technical support and member questions in the app or portal ā responding to 95% of queries within 30 minutes.
Stream is an ISO 27001 certified platform that can connect to any payroll, HR or time and attendance system.
We work with your teams to handle all of the setup, including validation and compliance. That means you can launch your employeesā financial wellbeing benefits quickly and easily.
Once youāre up and running, we handle all technical support and member questions in the app or portal ā responding to 95% of queries within 30 minutes.
What are Workplace Loans?
How do Workplace Loans help employees?
How do Workplace Loans differ from Earned Wage Access (EWA)?
Why offer Workplace Loans to employees?
How do your loan rates compare to other alternatives?
How is a Workplace loan different to an open market loan?
What are the primary use cases for a loan?
Are there any additional fees for members?
What happens when an employee leaves?
What do employers have to do to administer the loans?
What support do you offer members without Loans?
What is the eligibility criteria for the price promise?
Follow us on LinkedIn for client & member stories, product launches, and research on how fair financial tools for the everyday worker transform businesses. See how we help employers turn the workplace into a source of financial security and education.
Talk to us about the positive impact we can have on your teams and your business.
