Loan.co.uk vs Fluent Money,
Save £1,000s
Up to 50% Less Costs.
Best Rates. Best Value.
Why Pay More?
“Excellent company, half the price of competitors” Timothy Healy @ Reviews.co.uk
Fluent Money Secured Loan Fee comparison
Comparisons are based on the same lender, plan and rate.
£20,000 Secured Loan
| Loan.co.uk | £1,080 |
| Fluent Money | £2,400 |
£30,000 Secured Loan
| Loan.co.uk | £1,770 |
| Fluent Money | £3,300 |
£40,000 Secured Loan
| Loan.co.uk | £2,360 |
| Fluent Money | £4,200 |
*The fees shown are examples only and may vary based on your circumstances, lender, and chosen plan
Pro Tip : If you currently have a secured loan application proceeding 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.
*Included in Loan.co.uk 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.
✓ 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
✓ Loan.co.uk™ 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
“Loan.co.uk managed to reduce my payments from £1,500 a month to less than £300 – Lifechanging.” Ben @ Trustpilot
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.
Save up to 75% on your Current Monthly Payments
Tired of juggling multiple debts and high monthly payments? A secured loan from loan.co.uk 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!
“Loan.co.uk 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
Getting a quote has no effect on your credit score
Always get the best secured loan available to you
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, 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
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