FLOOSS review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

FLOOSS suits Bahrain residents who want a small fixed-rate loan paid out the same day, with an origination fee of 0 BHD. Its APR of 16% to 18% sits below the 12% site median, and the trade-off is a credit check that is hard.

Key facts

Best for
A small fixed-rate loan in Bahrain with a quick payout and no origination fee.
APR
16% to 18% (Source, checked September 26, 2026)
Loan amount
BHD 100 to BHD 2,500 (Source, checked September 26, 2026)
Term
2 to 36 months (Source, checked September 26, 2026)
Arrangement fee
0 BHD (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instant disbursement to IBAN or STC Pay (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Resident of Bahrain, aged 21 to 64, employed or retired; Bahraini national or expat with valid residency permit (Source, checked September 26, 2026)
Loan types
Personal, Payday, BNPL (Source, checked September 26, 2026)
Legal entity
FLOOSS Bahrain B.S.C (Closed) (Source, checked September 26, 2026)
Headquarters
Bahrain (Source, checked September 26, 2026)
Founded
2023 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
flooss.com

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • An APR of 16% to 18%, which sits below the 12% site median on the site.
  • An origination fee of 0 BHD on personal, payday and buy-now-pay-later lending.
  • Same-day money to an IBAN account or STC Pay: Instant disbursement to IBAN or STC Pay.
  • Support runs on email, chat and phone, and early repayment carries no charge.

Cons

  • The credit check is hard, so a refusal is recorded on your file.
  • Borrowing caps at BHD 100 to BHD 2,500, which is modest beside larger personal loans.
  • Terms run 2 to 36, so a larger balance is repaid over more months.
FLOOSS

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Employed or retired residents of Bahrain who are adults. Bahraini nationals and expats with a valid residency permit both apply.
  • Borrowers who want a fixed rate and a set term. They must be ready for a hard credit check.
  • People who need money the same day, and who can be reached on email, chat and phone before applying.

Who should look elsewhere

  • Anyone building a credit file, because the check FLOOSS runs is hard. Cashspace or Monzo Flex may suit a thin file better.
  • Borrowers needing more than BHD 100 to BHD 2,500, or a longer stretch than 2 to 36. Monzo Flex is worth weighing at 10% to 23%.
  • Applicants outside Bahrain, where FLOOSS eligibility does not reach. Cashspace and Monzo Flex sit on other markets.

How FLOOSS compares

Where FLOOSS is available

Available
Bahrain
Licence in Bahrain
Central Bank of Bahrain (1-156825), checked September 26, 2026
Licence in Bahrain
Central Bank of Bahrain (Ancillary Service Provider, Payment International Enterprise B.S.C), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does FLOOSS charge on its personal loans?+

The published APR is 16% to 18% across the personal, payday and buy-now-pay-later products it writes. The site median is 12%, so the rate looks competitive, though your own offer depends on your credit profile.

Is there an arrangement fee or origination charge?+

The origination fee is 0 BHD, so there is nothing to add at the point of taking the loan. What you see in the APR is then close to the full cost of borrowing, interest included, with nothing else to pay.

How much can I borrow, and over what term?+

Borrowing runs BHD 100 to BHD 2,500 and terms run 2 to 36. The longer end spreads a bigger balance over more months. A shorter term keeps the interest down and the monthly repayment small, which many borrowers prefer.

What kind of credit check does FLOOSS run?+

Applications run a hard credit check, so a refusal is recorded on your file. 72.7% of the loans on the site work in the same way, and it is the usual route to a fixed rate.

How quickly does money reach the account?+

Payout is Instant disbursement to IBAN or STC Pay, so approved money can reach an IBAN account or STC Pay. There is no branch to visit, which makes it useful for an urgent bill rather than a planned purchase.

Who regulates FLOOSS in Bahrain?+

FLOOSS is a direct lender based in Bahrain, and it holds a Central Bank of Bahrain licence, 1-156825. The lending entity is FLOOSS Bahrain B.S.C (Closed), so it works in a single market.

Who is eligible to apply for a FLOOSS loan?+

Eligibility covers residents of Bahrain who are employed or retired, and who are adults. Applicants must be a Bahraini national or an expat holding a valid residency permit. Once eligible, the application still runs a hard credit check.

Can I repay a FLOOSS loan early without a charge?+

Free early repayment is available, and 81.2% of the loans listed on the site allow it. Settling a fixed-rate loan sooner cuts the interest you pay overall, which makes the rate easier to compare.

Sources

  • flooss.com checked September 26, 2026

    Backs: Founded, Loan types

    “Begins in 2023, when Flooss launched with a clear goal: to empower and democratize financing”

  • flooss.com/faq checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Pricing model, Arrangement fee, Rate type, Support channels, Term, Licences

    “Generally, we offer cash financing between BHD 100 - 2,500”

  • flooss.com/privacy-policy checked September 26, 2026

    Backs: Headquarters, Legal entity

    “both companies incorporated and existing under the laws of the Kingdom of Bahrain”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

FLOOSS

FLOOSS

A small fixed-rate loan in Bahrain with a quick payout and no origination fee.

8.8/10See alternatives

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