Fluro Loans Reviews 2026: Is Fluro Legit?

Quick answer: Fluro is a legitimate, FCA-authorised UK lender. It has a 4.9 out of 5 Trustpilot score, offers £3,000 to £25,000 loans at a 16.5% representative APR, and charges no early repayment fees. It is not the cheapest option for everyone, so compare quotes before you apply.

If you are reading Fluro loans reviews, you probably want to know whether you can trust this lender with your money. We checked Fluro’s own website, the regulatory details it publishes, its Trustpilot profile, its complaints process and industry news coverage. Below you will find who runs Fluro, whether it is legit, what customers say, what a loan costs and who it suits.

What is Fluro Loans?

Fluro is a London-based lender offering fixed-rate, unsecured personal loans of £3,000 to £25,000, repaid over 12 to 84 months. It is a trading name of Fluro Platform Limited and was previously known as Lending Works.

Fluro says its loans suit home improvements, big purchases, life events and debt consolidation. Press coverage describes it as an institutionally funded lender serving prime and near-prime borrowers.

That means people with good or fair credit, not specialist bad credit customers. It also lends through partners such as price comparison sites. The company claims more than 37,000 customers and £300 million lent, though these are its own figures.

Who owns and operates Fluro?

Fluro is owned by Intriva Capital, a private asset manager that acquired the business, then called Lending Works, in 2020. The firm was founded by Nick Harding and Matthew Powell, launched in 2014 and rebranded as Fluro in 2022.

Detail	Information
Legal entity	Fluro Platform Limited
Company number	8302549 (England and Wales)
Registered office	1st Floor, 1 Valentine Place, London SE1 8QH
FCA firm reference number	723151
ICO registration	ZA002001

In October 2022, Fluro announced a £200 million funding facility from BNP Paribas. Co-founder Nick Harding stepped down as CEO in 2025 after a decade in the role. Publishing this level of detail matters: a lender that is easy to identify is easier to hold to account.

Is Fluro Loans legitimate?

Yes. Fluro states that it is authorised and regulated by the Financial Conduct Authority, is a member of the fraud-prevention service Cifas and is registered with the Information Commissioner’s Office. It also has a published complaints process and access to the Financial Ombudsman Service.

You can verify Fluro in two minutes:-

1. Go to the FCA Register at register fca.org.uk
2. Search for firm reference number 723151.
3. Confirm the status shows as authorised and that the name and address match.
4. Only apply through fluro.co.uk or a regulated comparison site, as scammers clone lender websites.

General red flags for any lender include asking for an upfront fee before paying out, guaranteeing approval with no checks, contacting you unprompted, or pressuring you to act quickly. We found none of these in Fluro’s published process. Our verdict: Fluro passes the basic legitimacy checks. Antelope Loans Reviews

Fluro Loans reviews and Trustpilot ratings

Fluro’s Trustpilot score is 4.9 out of 5 from around 2,900 reviews, based on the most recent snapshots we saw in autumn 2026. In an earlier snapshot of about 2,870 reviews, 96% were five-star and roughly 1% were one-star. Check Trustpilot for the live figure.

What customers praise most–

• Fast decisions and payouts, with some reporting money in their account within hours
• A short, straightforward online application
• Clear explanations of terms
• A useful app for managing the loan
• No penalty for paying off early

Where criticism appears – Negative reviews are rare. Some of the older complaints relate to the former Lending Works brand, including disputes over early settlement and problems on the investor side of the old platform. Finder has also described Fluro’s reviews as mixed because of these.

How to read the scores – Reviews mostly come from people who were approved, so they tell you little about the odds of being accepted. A near-perfect score is encouraging, but read the lower-rated reviews and the company’s replies too.

What does Martin Lewis say about Fluro Loans?

We found no review or endorsement of Fluro by Martin Lewis or MoneySavingExpert (MSE). Be wary of adverts claiming otherwise, as scammers often misuse his name.

Martin Lewis’s general loan advice still applies. He stresses that a loan is debt, so only borrow if you genuinely need to and can afford the repayments.

MSE’s loans guide suggests using its eligibility calculator, which uses a soft search that doesn’t affect your credit score, and checking whether a 0% credit card could be cheaper. That advice is general, not specific to Fluro.

Fluro Loans interest rates and eligibility

Fluro advertises a 16.5% representative APR on loans of £3,000 to £25,000. Your personal rate may differ, and Fluro says it shows you a personalised rate before you commit.

Worked example (from Fluro’s website): borrow £7,500 over 48 months at a 14.5% fixed interest rate, with total fees of £250. You would pay £210.14 a month and £10,086.72 in total. That is £2,586.72 more than you borrowed. Fees can change the total, so always read your personal credit agreement.

Eligibility: Fluro doesn’t publish a full checklist in the pages we reviewed. Typical UK requirements include being 18 or over, a UK resident, and having a regular income and a UK bank account. Fluro lists these reasons for declining an application:

• It can’t establish affordability
• You have missed recent credit payments
• It can’t verify your stated income
• Your Experian credit score is too low
• You have a Fluro loan with fewer than three payments made

Credit checks: A quote uses a soft search and doesn’t affect your credit score. A hard search happens when you formally apply.

Improve your chances: Check your credit report for errors, make sure you are on the electoral roll, avoid several applications at once and enter your income accurately. If declined, you can email [email protected] to ask for a review by a different underwriter, with a 48-hour turnaround.

Fluro Loans early repayment

You can repay a Fluro loan early without an early repayment fee. Fluro says you can make overpayments at no extra cost or settle in full at any time.

To settle, get a settlement figure from the Fluro app or by contacting the company. The app figure is valid for three working days, so request a new one if you miss that window. You can pay by Fluro Pay or bank transfer, or make overpayments if you can’t clear the full balance at once.

Paying early reduces the interest you owe because the balance falls sooner. However, check your agreement for any fees that were included at the outset, as they won’t be refunded.

Fluro Loans customer service

You can reach Fluro by phone on 0207 096 8512 or by email at [email protected]. Phone hours are Monday 8am to 6pm, Tuesday to Thursday 9am to 5:30pm, and Friday 9am to 4:30pm. Fluro says it typically replies to emails within a few hours.

Reviewers frequently describe quick, polite and helpful responses. To make a complaint, email [email protected] or call the same phone number. If the issue isn’t resolved by the end of the third business day, Fluro says it will acknowledge your complaint in writing, and it aims to resolve most within six weeks. If you are unhappy with the final response, you can take the case to the free Financial Ombudsman Service.

Pros and cons

Pros	Cons
FCA-authorised, with clear company details	Fees of £250 in Fluro’s example
Soft-search quote with no credit score impact	16.5% representative APR may be higher than the best rates for excellent credit
No early repayment fees and free overpayments	Minimum loan of £3,000, so no small loans
Money usually paid within one working day	Aimed at prime and near-prime borrowers, so declines are possible
4.9 out of 5 on Trustpilot	Repayment by Direct Debit only

Fluro suits people with fair to good credit who want a quick online decision and flexibility to repay early. If you have excellent credit or need less than £3,000, look elsewhere.

Conclusion

Fluro loans reviews research shows a regulated, transparent lender with strong customer feedback, quick payouts and no early repayment fees.

The trade-offs are a £250 fee in the example, a minimum loan of £3,000 and rates that won’t beat the best deals for everyone.

Check affordability first, compare several quotes using soft searches, and verify Fluro on the FCA Register before applying.