You might be able to get a Stream loan even without a credit score. But we will also look at other things when you apply. Unlike many loan companies, we do not only use your credit history. Instead, we ask you to link your main bank accounts—where you get paid and where you spend most. This helps us see your money habits and offer a loan that fits your needs. This step is optional and can be skipped. If you link your accounts, it is done through a safe process called Open Banking. Open Banking lets financial companies like Stream see your bank information, such as recent transactions, with your permission. We only use this data to check your application and promise it will not be used for anything else.