Tickets now available for Europe's leading Financial Wellbeing conference on 20th May 2026
A better way for your teams to borrow
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 find a comparable loan offer with a lower rate, we promise to match the price*.
Credit is hard to come by for many people, especially those with a low income or a challenging credit history. We know that on average we can save our members £593 per loan vs loans they previously used.* Workplace Loans offer low, competitive interest rates compared to those previously used by our members, and no hidden fees. Plus, employees repay it directly from their pay. Which means less stress and happier, more engaged teams.
Join the thousands of brands offering Stream to their colleagues
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We look at payroll, timesheet and members’ spending data to get a true picture of people’s finances – not just their credit history – so we are able to approve members with lower credit scores based on their employment history. On average, our members save £593 per loan vs their previous loans.*
Members pay less interest than they would with other lenders: on average, we can save £593 for our members.* Repaying directly from their pay means there’s no need to worry about late payment fees. And they can repay the loan any time, with no charge.
Sometimes we can’t lend to someone, which can feel like a setback to them. So, we support members with tools to take control of their financial situation: our Coach tool helps members build their money skills, budget, and claim all the benefits they’re due. For those who may need assistance we refer members to StepChange to receive information about managing and consolidating debt. If a member is struggling to pay their loan, we have a support team who specialise in financial difficulty who are available to assist and review the options available to them.
Members apply for the loans directly from the Stream app. We integrate with your payroll systems to automate repayments. And loans are direct with members, so there’s no risk to your organisation.
James
Stream Member
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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 they’re improving your colleagues’ financial health.
Break the information down by division to get a real-time picture of employees’ financial needs – 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 employees’ financial wellbeing benefits quickly and easily.
Once you’re up and running, we handle all technical support and member questions in the app or portal – 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 employees’ financial wellbeing benefits quickly and easily.
Once you’re up and running, we handle all technical support and member questions in the app or portal – 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?
Talk to us about the positive impact we can have on your teams and your business.
