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Stride Income Share Agreement (ISA) Review

Stride Funding offers income share agreements, which are student loan alternatives that do not require you to have good credit or apply with a cosigner. There are several benefits to working with Stride, including a shorter repayment period and downside protection.

stride review
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3.8
No Min. Credit Score Required
Loan Amount $5,000 to $25,000 annually
Loan terms 5 years
Written by:Lindsay Frankel
Personal Finance Expert

With a Stride income share agreement, you agree to pay Stride a percentage of your earnings if you earn above a minimum threshold. Stride Funding is best for juniors, seniors, and graduate students with a strong GPA pursuing a career with high earning potential. Not everyone will be eligible for Stride’s unique program, but it’s easy to get a quote online and find out if you qualify. Plus, Stride income share agreements come with exclusive career benefits. We’ll cover everything you need to know about Stride Funding, so you can decide if the provider is right for you.

Summarized Rating

Loan Features1.5
Interest Rates and Fees5
Qualification Leniency3
Application Process5
Customer Support3.5
User Reviews
Perks Bonus5

This parameter considers loan term lengths, loan limits, and loan structure optionality (fixed and variable rate offerings). For each loan type offered, each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall loan features score.

Stride scores a worst-in-class 1.5 for Loan Features, which is attributable to its decidedly below average term lengths and loan limits.

Stride Pros
Rates as low as 2% per $10,000 in funding
Career support benefits and discounts
Repayment term as short as five years
No payment required if you earn below the minimum threshold
3-month grace period
No application or origination fees
No minimum credit score or cosigner requirements
Stride Cons
Annual loan limit of $25,000
Only available to students within two years of graduation
Must be enrolled at least half time
Major credit issues may disqualify you
Not available to international students
Not available in select states
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Next, you’ll enter how much you need for school and when you’ll need the funding.