Fluro

Fluro: personal loans with real rates in the UK

Fluro is a lender specialising in personal loans operating in the UK under the trading name Fluro Platform Limited. Its approach focuses on offering real, personalised interest rates rather than the representative rates typical of the sector, with a streamlined application process and fast release of funds.

Products and financing options

Fluro's range includes personal loans, white label solutions, intermediary services, and retail finance. Personal loans are available for amounts ranging from £3,000 to £25,000, with terms from 12 to 60 months. The company states that the application takes less than three minutes and that approved loans are paid into the customer's account within 24 hours, often sooner.

Real rates and transparency

Fluro stands out by using real rates instead of the representative annual percentage rate (representative APR). According to its approach, with representative APR 49% of people get a higher rate, whereas with real rates the customer sees exactly what is offered. The company provides an online calculator for users to estimate the monthly payment and total cost of the loan before applying for financing.

Flexibility in repayments

Repayment plans are flexible from day one. Borrowers can make overpayments at no extra cost or settle the loan at any time, with no penalties or complications.

Application and management process

The process begins with requesting a quote, which does not affect the applicant's credit score. Once the application is approved, the customer receives a confirmation email and can accept the offer through their borrower dashboard. Acceptance involves reviewing and accepting the loan documentation, confirming bank details for the monthly direct debit, and validating the direct debit instruction. Cancelling an application incurs no charges and can be done from the same dashboard.

Customer and partner profile

Fluro has over 37,000 customers and more than 20 industry partners, with loan volume exceeding £300 million. The company has received more than five awards. Loans are used for purposes such as home renovations, life events, major purchases, or debt consolidation.

Regulation and corporate information

Fluro Platform Limited is authorised and regulated by the Financial Conduct Authority (FCA) with reference number 723151. It is a member of Cifas, an organisation dedicated to fraud prevention, and is registered with the Information Commissioner's Office (ICO) under number ZA002001. The company is incorporated in England and Wales with company number 8302549.

Customer service

The company offers support by phone and email. Phone support hours are: Monday 8:00 to 18:00, Tuesday to Thursday 9:00 to 17:30, and Friday 9:00 to 16:30. For email enquiries, the team typically responds within a few hours. Declined applications can be reconsidered by emailing the underwriting address, with a 48-hour response time and possible request for additional documentation.

Location and contact

35-41 Folgate Street, London E1 6BX · Phone: 0207 096 8512 · Email: cx@fluro.co.uk · Hours: Monday 8am - 6:00pm. Tuesday to Thursday 9am - 5:30pm. Friday 9am - 4:30pm.