To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease 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?
See today's rates from across the personal loan market.
The Fluro Personal Loan charges 16.5% APR representative on loans between £3,000 and £25,000. Fluro offers the unsecured personal loan with repayment terms between 1 year and 5 years, and applicants can apply to borrow from £3,000 to £25,000.
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £3,000 to £25,000 |
| Loan terms | 1 year to 5 years |
| Loan rate type | fixed |
| Fee | From £250 – £250 |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
The Annual Percentage Rate (APR) is a summary of the yearly cost of a loan. It takes into account both interest and any unavoidable charges you'll need to pay (for example an arrangement/product fee) over the duration of a loan. Because Fluro doesn't charge an arrangement fee, its APR comprises just the interest rate – and so they're one and the same.
However, the vast majority of lenders tailor rates (and therefore APRs) to the individual applicant. If they think you're a riskier bet, they'll offset that by offering you a higher APR. The "representative APR" (as defined by the Financial Conduct Authority) is what Fluro gives to at least 51% of those who take out the loan. The other 49% could pay more. Fluro must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
Fluro advertises a representative APR of 16.5% on loans between £3,000 and £25,000 on the Fluro Personal Loan.
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.
To get a personal loan though the Fluro platform, follow these simple steps:
Fluro has received mixed reviews from customers, according to review site TrustPilot. It currently has a rating of 4.9 out of 5, based on more than 2,000 reviews (updated June 2025). Some customers praised the simple loan process and quick funding, but others reported issues when lending money on the platform.
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