Fluro and Infact partner to open up fair access to credit for more UK borrowers

Fluro has integrated Infact's Affordability Engine to power more personalised and proportionate affordability assessments, making smarter lending decisions and improving outcomes for more customers.

The partnership supports healthy competition in the UK credit information market and reflects a shared commitment to fairer outcomes for borrowers who are too often underserved by legacy models.

Expanding Access Through Better Affordability Data

Fluro serves customers who are often underserved by mainstream lenders. A significant portion of their customer base sits in the near-prime segment, where getting affordability right matters most. Generic, population-level expenditure models can misrepresent the true financial picture of individual borrowers, leading to unnecessary declines for people who are well-placed to repay.

Infact's Affordability Engine takes a different approach. By drawing on a proprietary dataset and calibrating estimates to the applicant's specific circumstances, it delivers personalised information through a single API call. Fluro is already seeing positive results, identifying creditworthy customers more accurately while maintaining the responsible lending standards at the heart of their business.

A collaborative, data-led approach to affordability means fairer outcomes for borrowers and stronger performance for lenders. This is a mission that Fluro and Infact share.

Michael Hoare, Chief Risk Officer at Fluro:

"Working with Infact gives us access to affordability intelligence that reflects our customers' real financial lives. That means better decisions for borrowers who deserve a fair hearing and a more efficient process for our team. This is exactly the kind of partnership that helps us deliver on our commitment to responsible, inclusive lending."

By integrating with Infact, Fluro is bringing smarter affordability assessments to a customer base that stands to benefit most from it.

Will Mason, CEO of Infact:

"We're delighted to partner with Fluro, a lender that is genuinely committed to getting affordability right for its customers. Together, we're building a fairer picture of what borrowers can actually afford, giving more people access to the credit they deserve."

For consumer credit lenders, this partnership is a proof point: better affordability data is available now, and it is already changing outcomes for borrowers. As more lenders integrate with Infact, the bureau dataset grows richer, the models become more accurate, and the case for a more competitive, more inclusive credit information market gets stronger.