Fluro (formerly Lending Works) loan calculator and 2024 review

Our Fluro loan calculator will help you work out how much you'll pay back on a Fluro personal loan, and how it compares.

Fluro

Our verdict

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.
Fluro (formerly Lending Works) Personal Loan
4.0 ★★★★★
Finder score
Check eligibility

17.9% APR representative (Fixed)

Maximum loan

£25,000

Product fee

N/A

Early redemption fee

£0

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.

Calculate the cost of a Fluro loan

Name Product Finder score Finder score Customer rating Loan amounts Loan terms Loan rate type Link
Fluro (formerly Lending Works) Personal Loan
Finder score
★★★★★
4.0
★★★★★
Not yet rated
£5,000 to £25,000
12 months to 60 months
Fixed
Check eligibility
View details
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.
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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.

1 - 4 of 11
Name Product Finder score Total Payable Monthly Repayment Representative APR Link
Novuna Personal Loan
4.5
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 7.4% p.a. (fixed). Representative APR 7.4% and total payable £11,142.00 in monthly repayments of £309.50.
My Community Bank Personal Loan
4.5
★★★★★
Check eligibility
View details
Representative example: Borrow £5,000 over 48 months at a rate of 24.9% pa (fixed). Representative APR 27.9% and total payable £7,939.24 in monthly repayments of £165.40.
Fluro (formerly Lending Works) Personal Loan
4.0
★★★★★
Check eligibility
View details
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.
Plend personal loan
3.5
★★★★★
View details
Representative example: Borrow £8,000 over 48 months at a rate of 16.66% p.a. (fixed). Representative APR 17.99% and total payable £11,013.12 in monthly repayments of £229.44.
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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.

CompanyDescriptionExample Loan
ZOPABorrow £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 £157.40More info
QuidCycleBorrow £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.More info
RateSetterBorrow £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.More info
LendableBorrow £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.
Madiston LendLoanInvestBorrow £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.
JustUsBorrow £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

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.

Written by

Chris Lilly

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. See full profile

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