Fluro loan calculator

Use our Fluro loan calculator to get an idea of how much you'd pay back on a fixed-rate, unsecured Fluro personal loan as a new or existing customer. Loan amounts between £1,000 and £25,000 with rates starting from 17.9%.

Fluro
Table: sorted by representative APR, promoted deals first
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Product Finder Score Loan amounts Loan terms Fee Repayments
Fluro logo
Finder score
Finder score
£1,000 - £25,000
1 year - 5 years
From £250 – £250
£354.11 (£12,748.09 overall)
Representative Example: Representative 17.9% APR fixed. Based on a loan of £10,000 and £250 arrangement fee for 36 months at 15.8% p.a. Total £12,748.09 repayable at £354.11 per month.
Representative Example: Representative 17.9% APR fixed. Based on a loan of £7,500 and £250 arrangement fee for 48 months at 15.8% p.a. Total £10,309.78 repayable at £214.79 per month.
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Finder Score for unsecured loans

To make comparing even easier 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 methodology

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?

See today's rates from across the personal loan market.

Fluro loan rates at a glance

The Fluro (formerly Lending Works) Personal Loan charges 17.9% APR representative on loans between £1,000 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 £1,000 to £25,000.

Key features of a Fluro loan

Loan typeUnsecured Personal Loan
Loan amounts£1,000 to £25,000
Loan terms1 year to 5 years
Loan rate typefixed
FeeFrom £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 methodsDirect debit

APR and Representative APR explained

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 17.9% on loans between £1,000 and £25,000 on the Fluro (formerly Lending Works) Personal Loan.

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

Fluro customer reviews

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.

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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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Head of publishing

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 bio

Chris's expertise
Chris has written 540 Finder guides across topics including:
  • Loans & credit cards
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