Fluro assesses all borrowers for affordability and creditworthiness, in addition to verifying identities and checking fraud databases. If they decide that the loan you have applied for stretches your finances too thinly or they find that your credit history does not meet the minimum standards, your loan will be declined. In this case, it may not be possible to explain to you why your loan was declined. Instead, it’s recommended that you complete a personal credit search to make sure your credit history is as strong as possible.