Stream's goal is to offer fair financial services to all frontline workers. We believe our mission makes us different from other loan providers. Loan decisions are not based only on your credit history. Instead, open banking is used to better understand your finances. This allows us to offer loans based on your financial behavior. This is also an optional step when applying for a loan. Not only that, but we give you tools to control your loan. We can also take repayments directly from your salary to help prevent you from getting into debt.