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.
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.
Table: sorted by APR, promoted deals first
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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.
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
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. See full bio
Chris's expertise
Chris has written 567 Finder guides across topics including:
Wollit is a credit building service that aims to help improve your credit score by reporting your monthly plan payments to the UK’s 3 major credit reference agencies.
Looking for a personal loan? Read the definitive guide to find out how to compare interest rates, fees and features to find the right loan for you. There’s a range of loans available to apply for – we’ll help you find the right one.
Experiencing unexpected costs and considering a £1,000 short term loan? Use our in-depth guide to compare rates between lenders and get a fast and simple estimate of costs.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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