vs Fluent Money,
Save £1,000s

Up to 50% Less Costs.
Best Rates. Best Value.

5 pink stars

4.9/5  Rated 'Excellent'

Over 4,000 5-star reviews

on &

Why Pay More?

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 “Excellent company, half the price of competitors” Timothy Healy @

Fluent Money Secured Loan Fee comparison

Comparisons are based on the same lender, plan and rate.

Affordable loan finance

£20,000 Secured Loan £1,080
Fluent Money £2,400
Affordable loan finance

£30,000 Secured Loan £1,770
Fluent Money £3,300
Affordable loan finance

£40,000 Secured Loan £2,360
Fluent Money £4,200
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 “Very smooth process and low fee structure”

[Catherine] at TrustPilot &

Pro Tip : If you currently have a secured loan application proceeding 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.


*Included in fees are all 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).

Secured Loans for any Purpose

Save money each month by consolidating your expensive debt.

Doing some home improvements? Need a new kitchen or extending your home?

Whatever the reason we will find the perfect solution.

Secured Loan Purpose
 Low-Cost Secured Loans

From £15,000 to 1.5 million

 Free property valuation

 No upfront fees or hidden charges

High loan-to-value available

Poor credit plans available™ has won multiple awards

Up to 50% lower costs than all other major brokers

Voted: Secured Loan Broker of the Year

Debt Consolidation made Simple

“ managed to reduce my payments from £1,500 a month to less than £300 – Lifechanging.” Ben @ Trustpilot

Man who needs a secured loan for consolidation

Struggling with High Monthly Payments?

Paying too much for credit cards and loans? Home improvements, taking a backseat? Want to simplify your debts, and save money each month? Our debt consolidation plan makes it possible.

Secured loans debt consolidation example

Save up to 75% on your Current Monthly Payments

Tired of juggling multiple debts and high monthly payments? A secured loan from can help you save up to 75% on your monthly repayments, giving you the breathing room you need to take control of your finances.

Regain Control and Consolidate Your Debts

By consolidating your debts into a single, manageable payment, you can simplify your life and get back on track. Plus, you might even have some extra funds left over for those home improvements you’ve been putting off.

Don’t let debt control your life any longer. Take the first step towards financial freedom with our secured loan debt consolidation solution today!

“ rescued us from a mountain of debt. The best thing we have ever done. We now save so much every month, we can have a life again.”  Julie @ Trustpilot

Up to 50% lower costs than all other major brokers

Voted: Secured Loan Broker of the Year

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, including Fluent Money.

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?

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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