We are on a mission
We are on a mission
We’re a team committed to driving permanent positive change for borrowers, building a culture we’re all proud of.
Why we do what we do
If you’re here, you already know what we do but you might not know why we do it. In many ways, the why is much more important. It’s the why that started Fluro. It’s the why that brought our team together. Because we’re not just here to provide loans, that’s not a why. We’re here to change an industry for good. That’s our why.
Our values
Settle at Brilliant
We won't stop pushing to be the best for our customers until brilliance is achieved.
Build Good
Do good, be good, build good. We want to increase the amount of good in the industry.
Own your Impact
Champion thoughtful engagement in output, communication, and collaboration.
Experiment Wildly, Refine Intently
Legacy isn’t always right. Question if something is that way for the right reasons. Push to do better and never be afraid to try something new.
Culture
We're ideas people: creatives, developers, and mathematicians. From our code to our customer service, our goal is to be best-in-class by reinventing what best-in-class means.
Our team is empowered to explore the boundaries of what's possible in a drive to delight customers and partners, and our mission is to do good in an industry that has often neglected consumers in favour of big business. This unwavering focus on improving all aspects of the Fluro experience has catalysed our vision for permanent positive change.
Our story
Since launching in 2014, we have established ourselves as one of the most innovative personal loans providers in the UK. We use technology and data to create smarter, more effective solutions for our customers. From custom built machine learning models that deeply understand each customer as an individual, through to market leading journeys that make it simple and easy for customers get access to the credit they need - and everything in between. We have lent more than £400m of loans since launching in 2014.
- Joined forces with TransUnion to supercharge our data and decisioning capabilities using our own machine learning models.
Let’s talk real rates
If you’ve been looking for a loan, you’ll have seen the term ‘representative APR’. APR is short for ‘annual percentage rate’, which tells you how much the loan will cost per year of repayment. But what about the ‘representative’ bit?
‘Representative’ means 51% of customers are offered the promoted rate or less. That’s the legal requirement: 51%. However, that means 49% of customers will go through the quote request process just to be offered a higher rate. A rate that could be over 10 times the representative APR.
If you’re in the 49%, representative APR can waste your time. It’s confusing and it’s deceptive. The loans provider promoting the lowest representative APR for the 51% does not necessarily also offer the lowest rate for the 49%.
How can we fix it? Fluro pioneered real rates. With real rates, everyone sees their real APR. No time wasted. No imbalance. No need for multiple loan requests. Just full customer-focussed transparency.
