With 24 hour funding and no charges when overpaying or paying in full, Fluro offers fast and flexible loans. However, it's best to explore alternatives as you might find better rates elsewhere, and if you have poor credit, you won't be eligible. Fluro also doesn't offer alterative loan types, such as joint applications. Overall, it might be solid choice for those with good credit who want flexibility, quick access to funds and are tech savvy.
Pros
Make overpayments at no extra cost
Repay loan in full without any charges
Receive funds within 24 hours of approval
Manage and control your loan through the Fluro app
Cons
You could find better rates elsewhere
Unlikely to be eligible with poor credit
No joint applications
If you're not tech savvy, you may want to look elsewhere
Representative example: Assumed borrowing of £7,500.00 over 48 months at 17.9% APR representative. Monthly cost of £214.79. Total amount repayable of £10,309.78. Interest rate of 16.6% p.a.(fixed) and total fees of £150.00. Available for loan amounts between £5,000 - £25,000.
Our calculator lets you pick how much you want to borrow, over a timeframe that suits you, to estimate how much you would pay back each month and overall. We base our calculations on Fluro’s representative APR, but it’s important to note that credit is subject to status and your circumstances may affect the actual rate you’re offered.
In 2022, Lending Works rebranded to Fluro. If you’re an existing Lending Works customer, there may be some changes to your loan.
Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
How do Fluro loans compare against the competition?
Table: sorted by representative APR, promoted deals first
Before you take out a personal loan, it’s smart to read up and shop around. You can use the table below to see how much you’d be likely to pay for the loan you have in mind.
Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
How do Fluro loans work?
The peer-to-peer lending and borrowing platform Fluro connects private investors with creditworthy borrowers to offer fixed-rate loans for any “reasonable purpose”. By cutting out many of the overheads associated with traditional, high-street banks, Fluro aims to offer better rates to both borrowers and lenders.
How to apply
To get a personal loan though the Fluro platform, follow these simple steps:
Get a quote: Get a personalised quote in two minutes
Finish application: Finish filling out the application for a loan
Verify your application: Fluro will then verify your loan request and your credit worthyness
Receive your funds: If your loan is approved, you will be matched with investors, and you will receive your funds within 2 days of getting your first quote
Alternatives to Fluro
If you’re looking for other P2P companies offering a similar service to Fluro, here’s a selection of popular platforms.
Company
Description
Example Loan
Borrow £1,000 to £35,000 over terms from 1 to 7 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 718925.
Representative example: Borrow £7,500 over 5 years at a rate of 8.8% p.a. (fixed) with a £180 fee. Representative APR 9.9% and total payable £9,443 in monthly repayments of £157.40
Borrow £2,500 to £25,000 over terms from 12 to 60 months. QuidCycle specialises in helping borrowers to refinance and consolidate expensive debt. FCA firm registration number: 655370.
Representative example: Borrow £10,000 over 5 years at a rate of 6.9% p.a. (fixed) with no fee. Representative APR 6.9% and total payable £11,880.00 in monthly repayments of £198.00.
Borrow £1,000 to £35,000 over terms from 1 to 5 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768.
Representative example: Borrow £5,000 over 1 year at a rate of 3.9% p.a. (fixed) with no fee. Representative APR 3.9% and total payable £5,195.00 in monthly repayments of £432.92.
Borrow £1,000 to £25,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768.
Representative example: Borrow £7,500 over 36 months at a rate of 18% p.a. (fixed) with £440.00 fees. Representative APR 22.9% and total payable £10,144.52 in monthly repayments of £281.79.
Borrow £1,000 to £7,500 over terms from 1 to 5 months. FCA firm registration number: 724098.
Representative example: Borrow £3,500 over 5 years at a rate of 4.9% p.a. (fixed) with fees of £105.00. Representative APR 7.31% and total payable £3770.64 in monthly repayments of £104.74.
Borrow £2,000 to £25,000 over terms from 24 to 60 months.
Representative example: Borrow £10,000 over 5 years at a rate of 10.0% p.a. (fixed) with no fee. Representative APR 11.7% and total payable £13,258.16 in monthly repayments of £220.97.
Fluro customer reviews
Fluro has received mixed reviews from customers, according to review site TrustPilot. It currently has a rating of 4.8 out of 5, based on more than 500 reviews (updated September 2023). Some customers praised the simple loan process and quick funding, but others reported issues when lending money on the platform.
Frequently asked questions
To apply for a loan, you will need the following information:
Your marital status
Your employment details
Nationality
Some brief details regarding your finances
There are no early repayment or overpayment fees. You repay the rest of your loan whenever you like.
You can use your personal loan for a variety of things, such as:
Debt consolidation
Car finance
Home improvements
Weddings
Holidays
Any reasonable purpose
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.
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