How can we help?

We may not be able to give you a full answer for security reasons, but these are the common reasons why someone may be declined

• We have been unable to establish affordability for the loan (your disposable income is too low)
• You have missed recent payments on credit
• We have been unable to verify your income at the level stated on your application
• Your credit score is too low (Fluro uses Experian to establish your credit score/creditworthiness)
• You already have a Fluro loan, but you have not yet made six payments

If you believe that your loan application needs to be reconsidered, please send us an email at underwriting@fluro.co.uk explaining why and we'll ensure that your application is reviewed again by a different underwriter. Our turnaround is 48 hours and further documentation may be requested.

A quotation or 'soft' credit search enables you to shop around and see whether you might be approved for a loan and at what interest rate. It does not affect your credit score.

Often a soft search will be on your credit file if you are shopping around on price comparison sites and ask for a quote.

A hard or 'credit' search (which does affect your credit score) would be made once you apply for a Fluro loan. Hence, it is always advisable to ensure you provide the correct information when you apply to give you the best chance of being approved.

Once you accept your loan request the loan proceeds are normally paid in your bank account within one working day, but often a lot sooner!

Once your loan application has been approved you'll receive an email from us to confirm. If you're happy with the APR (Annual Percentage Rate) and your monthly repayments and would like to proceed, you'll need to confirm that you wish to accept the loan offer. To do this, you should:

• Click on the link in the email and log in to your borrower dashboard
• Find the relevant loan and click ‘Accept loan offer’
• Read through and accept the loan documentation, and then click 'Continue'
• Confirm your bank details for your monthly Direct Debit repayment and review the Direct Debit Instruction, then click 'Confirm'
• We will confirm that the funds have been transferred to your account via email; likely on the next working day

If you decide you no longer want to proceed with your loan, you should:

• Log in to your borrower dashboard
• Select the loan offer you wish to cancel from the Quotes section
• Click on 'Cancel'
• Check the confirmation details
• If you still wish to go ahead with the cancellation, please select a reason for doing so from the dropdown and then click 'Cancel loan offer'

There are no charges for cancelling your loan.