Are you looking for a loan?

Fluent Money is one of the fastest-growing brokers and specializes in finding the right loan for your needs.

We have loans to suit your requirements

Why choose Fluent Money for a loan?

Why Fluent
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A loan search with us won’t affect your credit rating

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Secured and unsecured loans for almost any purpose

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From £1,000 to £250,000

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CCJs, arrears and defaults welcome

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Low interest rates

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Fixed rates available

What types of loans are available with Fluent Money?

Whatever your reason for needing a loan and whatever your personal situation, our friendly UK-based team will use their expertise to find the perfect secured or unsecured loan for you. Just give us a few details and we’ll give you a call back.

We’ve helped thousands of customers access the money they need to get more out of life, including:

  • Debt Consolidation Loans
  • Home Improvement Loans
  • Buy to Let Loans
  • Car Loans
  • Holiday Loans
  • Motorhome/Caravan Loans
  • Wedding Loans
  • School Fee Loans
  • Bad Credit and CCJ loans

 

FAQs

Whatever your reason for needing a loan and whatever your personal situation, our friendly UK-based team will use their expertise to find the perfect loan for you.

Whatever your reason for needing a loan, there are two main types of loan available:

secured loan is one that is secured against something you own – usually property, or another financial asset such as a car. The idea here is that the borrower has an incentive to pay back the loan on time. This provides the lender with security, and interest rates can be lower.

An unsecured loan, on the other hand, is not secured against anything. Interest rates can be higher because there is less security for the lender compared to a secured loan.

If you’re not sure which one is right for you, that’s what we’re here for!

APR stands for Annual Percentage Rate. This is the total cost that will be charged by the lender on a loan over a year. This APR is the rate of interest charged on your loan, plus any other additional charges. The APR of a loan must be disclosed by the lender before the loan is taken out, so you know exactly how much you will be paying back. The higher the APR, the more you’ll have to pay back.

For example, let’s say you take out a loan of £4,000 for a year and the APR is 10%. If you repaid the loan back within one year the total amount you would need to pay back would be £4,400, with the APR included. If you pay in equal monthly instalments for all 12 months, you’ll pay around £367 per month.
Try out our calculator above to see how the loan amount, repayment period and APR affects what your repayments would be.

At Fluent we work with every customer on a very personal basis, and having a poor credit score doesn’t necessarily mean you can’t get credit, especially if you meet other appropriate lending criteria. Every member of our team is totally committed to helping you get the money you need whilst always being responsible with your repayment affordability. So whether your credit score is excellent or poor we’ll look at your individual circumstances to try to find the loan that’s right for you.

A credit score is a number that tracks how you spend money to show lenders if you’re a risk to lend to. It’s a measurement that looks at your past repayment history and any money you already owe.

There are a few simple steps you can take to improve your credit score easily, such as registering to be on the electoral register, avoiding taking cash out from a credit card, and cancelling any credit cards you don’t use.

A credit score is a number that tracks how you spend money to show lenders if you’re a risk to lend to. It’s a measurement that looks at your past repayment history and any money you already owe.

There are a few simple steps you can take to improve your credit score easily, such as registering to be on the electoral register, avoiding taking cash out from a credit card, and cancelling any credit cards you don’t use.

Why choose Fluent Money?

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We’re the UK’s number 1
Fluent Money is the UK’s favourite secured loan broker

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We’re 5 star Trustpilot rated
Check out what our customers say about us

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We’re friendly UK based experts
Our dedicated team is here to help you navigate you to the right product and put your mind at ease every step of the way

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We’ll keep you in the picture
You can check your application progress 24/7 with our industry leading smartphone app

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We present you with options, not problems
Our many years’ experience means our friendly experts know how to find the right solution for you

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Why our customers recommend Fluent Money

We’re one of the UK’s favourite finance brokers. Don’t believe us? See what our customers have to say:

Not sure what loan is right for you?

Speak to one of our friendly advisers today and they’ll be able to help find the right option for your needs.

Fluent Money is one of the fastest growing brokers in the UK