Stratum Lending
Capital that moves at your speed.
Lending is underwritten with licensed partners and scored on your real Stratum activity — not paperwork. Home loans from 7%, Rent-to-Own, vehicle finance and business credit.
Ways to borrow
Credit built around member life
Stratum Home Loans
Financing for homes in member-owned developments, from 7%, plus a Rent-to-Own pathway for members moving from renting to owning.
AutoSphere vehicle finance
In-house finance up to 7% on premium new and pre-owned vehicles, with trade-ins and member pricing.
Personal credit
Short-term personal lending scored on your Stratum activity — allocations, spending and ownership units.
Business credit lines
Working capital for member businesses trading inside the ecosystem, with rates that improve with your track record.
All rates are indicative and subject to affordability assessment, credit approval and applicable terms and conditions.
Stratum Lending
Capital that moves at your speed.
Personal and business lending scored on your real Stratum activity — not paperwork. Approvals in minutes, funds the same day.
- Personal loans and business credit lines
- Rates that improve with your track record
- No early-settlement penalties
Finance your next move.
Registering is the first step. Click Register to participate, get your membership ID and start owning where you shop.
Register to participate