Loan.co.uk vs Fluent Money
Be smart don’t pay High Fees.
Compare secured loan fees before you borrow.
Most brokers, including Fluent Money, use the same lenders but charge much higher fees.
4.9/5 Rating | Over 1,500 5 star ratings at Reviews.co.uk
Fee comparison
All comparisons are based on the same lender, same plan and same rate.
Loan.co.uk V Fluent Money see the difference.
£20,000 Loan fee
Loan.co.uk £1,080
Fluent Money £2,400
£30,000 Loan fee
Loan.co.uk £1,770
Fluent Money £3,300
£40,000 Loan fee
Loan.co.uk £2,360
Fluent Money £4,200
Secured Loans from 3.4%
✓ From £10,000 to £500,000
✓ Free property valuation
✓ No upfront fees or hidden charges
✓ High loan to value available
✓ Fully directly FCA regulated
✓ Free, no obligation quote
✓ Adverse & bad credit considered
✓ Loan.co.uk has won multiple awards
” I absolutely cannot speak highly enough of loan.co.uk. Wouldn’t hesitate to recommend this company to anyone. I’m delighted! “
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” Couldn’t help me enough and I thank you from the bottom of my heart for all your help “
Verified clients @ reviews.co.uk
A broker that’s on your side
Getting a quote has no effect on your credit score
Always get the best secured loan available to you
Want to get an idea of how much you could borrow with a secured loan?
Our secured loan calculator helps you find the best loan. Get a quick idea of how much you could borrow and what the repayments could be.
Why are Loan.co.uk’s Secured loan broker fees are up to 50% lower than Fluent Money?
By investing heavily in technology, we have significantly reduced our processing costs and …
…we have passed all the savings back to you by massively reducing our broker fee.
Our fees are often 50% lower than other major UK secured loans brokers.
Don’t worry, we’ve got your back.
Our fee covers your legal costs, any valuation that’s needed, references – in fact all costs. Its only charged if you receive the loan you want, and it’s normally added to the loan.
There maybe a small lender fee as well (we are not a lender, so we can’t do anything about that, sorry).
You have no obligations to us, even if we have spent money on your behalf. You can cancel at any time with no cost – how good is that?
” Very smooth process, great communication and a good interest rate, low fee structure“
Verified client reviews.co.uk
(all our reviews are genuine)
Pro Tip 1 : If you currently have an application with Fluent Money then you can transfer it to Loan.co.uk instantly at no cost and take advantage of the much lower fees. Just fill out the short application and we will take care of the rest.
Pro Tip 2: Have a live application with Fluent Money and for some reason you want to stay with them? Then get a quote from us with the above fees and they will probably match them.
*Fees for Loan.co.uk include any property valuations, paid references from banks and building societies, conveyancing fees and all processing costs (we assume this is the case for other brokers but it might not be or vary on a case to case basis).
**All data is based on contracts, websites, clients or employees and is believed to be correct as of 2022.
Representative Example for secured loans: based on borrowing £18,000 over 120 months. Interest Rate: 5.5% fixed for 60 months with instalments of £213.33. Followed by 60 months at the lenders standard variable rate of 5.7% with instalments of £214.36. Fees: Broker fee (£1,062); Lender fee (£595). Total amount payable £25,756.4 comprised of; loan amount (£18,000); interest (£6,004.4) including broker fee and lender fee. Overall cost of comparison 7.902% APRC. This means 51% or more of our clients receives this rate or better for this type of product. We have arranged borrowing with rates from 3.4% to 29% APRC which has allowed us to help customers with a range of credit profiles. We are a broker not a lender.
Secured Loans have a minimum term of 36 months to a maximum term of 360 months. Maximum APRC charged 29%. If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
3 easy steps to your perfect secured loan
1. Apply online for your secured loan. It only takes a minute and it wont impact your credit score.
2. Everything is automated so you will always get the lowest rates we have available.
3. Relax! We’ll sort everything else out. Just sit back until your secured loan arrives.
Don’t just take our word for it
4.97/5 Star Rating 
D. Straun
“From start to finish the whole experience with Peter Amy and Lisa has been amazing! No complaints whatsoever all so very supportive I would definitely recommend this company to help with all your financial needs if I could give 15 stars I would!”
VERIFIED REVIEW
Mrs Marks
“I can highly recommend the overall service. Loan.co.uk gave the best offer and sorted everything for me on a very professional basis. Cannot praise them enough.”
VERIFIED REVIEW
Caroline
“Dealing with Loan.co.uk was so easy and quick too, they took the worry out of it for us. The portal is really helpful too. They kept us up to date every step of the way. I would recommend to anyone.”
VERIFIED REVIEW