About On Stride Financial Loans

On Stride Financial was launched in 2014 to fill the market demand of large personal loans for bad credit without a guarantor. There have been various product changes over the years. They historically offered £1k to £10k (1-5 yrs) and then £1k to £3k (1-2 yrs). A significant change occurred recently in early 2019 when the owner (Enova) opted to close down the Pounds to Pocket brand. As a result, they adapted their full monthly range of 6 to 12 months. As well as this you can pick 15, 18, 21, 24, 27, 30, 33 or 36 months. The complete loan range is £150 to £5000. As well as Stride’s service, Enova has continued to operate QuickQuid for payday.

The popularity of www.onstride.co.uk has been sporadic. There was a significant spike recently when P2P closed since they advise users to move across on that side. Their local Alexa rank had climbed to #24,029. They have now lost this and rank globally at around 500k. Advertising is generally low key here and unlike other Enova projects hasn’t benefited from TV ads. This service is equipped with variable rates across multiple tiers. The most expensive charges are key since these tie in with the representative examples that most people pay. The difference between £300 at 6 months is £45.24 (prime) vs £280.95 (subprime). Stride’s hours have recently extended to 7/7. Feedback has been mixed noting 96% (Reviews) vs 30% (Trustpilot).

Company Details

Address: PO Box 74347, London, EC1P 1YZ

Brand: On Stride Financial (aka: OnStride, OnStrideFinancial)

Company: CashEuroNet UK Llc (subsidiary of Enova International Inc)

Contact (📧): support@onstride.co.uk

Contact (☎): 0800 210 0923

FCA Licence: 715198

Launched: 2014

Niche: Instalment, personal

Opening Hours: Mon/Fri (8am-9pm), Sat/Sun (10am-6.30pm)

Related Brands: QuickQuid

Site Address: www.onstride.co.uk

Site Rank (Alexa UK): Unranked | 500k (global)

Product Specs

Amounts Available: £150 to £5000

Late Payment Fee: £15

Login Provided: Yes

Pricing (Prime): £45.24 /£300 (6m) & £291.02 /£1000 (12m)

Pricing (Subprime): £280.95 /£300 (6m) & £982.33 /£1000 (12m)

*Variable APR range (not specified). Representative 315.4%

Repayment Terms: 6 to 36 months

Review Feedback

Feefo: Not listed

Reviews: 96% (1760+ count)

Trustpilot: 30% (310+ count)

Rivals & Similar Lenders Like On Stride Financial

Stride’s competition is fierce on both sides of instalments and longer term lending. One such firm that stands out in likeness is AvantCredit. The key link here is that Al Goldstein founded both Avant and Enova. Various other employees also switched across companies. AvantCredit’s profile hasn’t enjoyed much traction to date, but they are notable in offering the cheapest bad credit 12 month loan with no guarantor at £205.16 for £1000. Stride’s best tier offers up £291.02 that isn’t far behind although most customers will pay their high price of £982.33. Satsuma and Sunny are major firms focused on instalments who they’ll see as major competitors. For long terms, the same can be said for Bamboo and Likely Loans.

Last Check @ www.onstride.co.uk: July 26th, 2019