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.

5 pink stars   4.9/5 Rating  |  Over 1,500 5 star ratings at

“Excellent” rating at Trustpilot

Fee comparison

Fluent Money fee graph vs

All comparisons are based on the same lender, same plan and same rate. V Fluent Money see the difference.

£20,000 Loan fee              £1,080

Fluent Money       £2,400

Sorry we cant help you just now

£30,000 Loan fee              £1,770

Fluent Money       £3,300

Sorry we cant help you just now

£40,000 Loan fee              £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 has won multiple awards

Quote marks

I absolutely cannot speak highly enough of Wouldn’t hesitate to recommend this company to anyone. I’m delighted!

” Couldn’t help me enough and I thank you from the bottom of my heart for all your help “

Verified clients @

A broker that’s on your side

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Getting a quote has no effect on your credit score

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Completely unbiased results
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Personalised rates and expert advice just for you
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Join thousands of happy customers
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Always get the best secured loan available to you

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Loans available for poor or adverse credit scores

Why are’s Secured loan broker fees are up to 50% lower than Fluent Money?

client 1st fee vs 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?

Quote marks

” Very smooth process, great communication and a good interest rate, low fee structure

Verified client

(all our reviews are genuine)

Pro Tip 1 : If you currently have an application with Fluent Money then you can transfer it to 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 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

Apply for a loan on mobile

1. Apply online for your secured loan. It only takes a minute and it wont impact your credit score.

Check the loan details, make sure that you’re happy with your secured loan and rate

2. Everything is automated so you will always get the lowest rates we have available.

Our lender will give you a quick call to discuss the secured loan

3. Relax! We’ll sort everything else out. Just sit back until your secured loan arrives.

Don’t just take our word for it

5 pink stars

4.97/5 Star Rating Review text

D. Straun

5 pink stars
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!


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Mrs Marks

5 pink stars
“I can highly recommend the overall service. gave the best offer and sorted everything for me on a very professional basis. Cannot praise them enough.”

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5 pink stars
Dealing with 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.”


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