MyFluent vs MLC
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MyFluent
Track your loan application's progress in real time and communicate directly with your dedicated case manager. Upload necessary documents and receive immediate status updates throughout the process.
- Real-time application progress tracking
- Direct communication with Case Manager
- View lender details
- Immediate status updates
- Document upload (P45, P60, payslips)
- Identity verification via phone camera
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MyFluent is a unique application that allows customers to view the progress of their loan application in real time and easily communicate with their dedicated Case Manager. MyFluent for iPhone is free to all Fluent Money customers. With MyFluent, you can: - Track your application by viewing your case notes in real time - Contact your Case Manager directly - View details about your lender - Receive immediate status updates - Upload requested documents such as P45, P60 or payslips - Verify your identity using the camera on your phone
MLC
Manage your loan account and access exclusive rewards. View your account details, earn points, and redeem them for discounts on various products. Enjoy savings through local and national brand coupons.
- View loan account details
- Earn Level Up Rewards
- Redeem rewards for discounts
- Access brand coupons
- Local and national brand offers
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Minute Loan Center, We Say YES, is now available in your phone. The MLC VIP companion app gives you access to your MLC account. You can view, earn, and redeem Level Up Rewards and gain admission to discounts on everyday products through our local and national brand coupons.
Screenshots
Verdict
The clearest difference is ads: MyFluent at none against MLC's shown. MyFluent also leads on monetization model (free vs ad-supported). MLC's advantage is iOS requirement (15.6 vs 17.0). On price, rating, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for MyFluent against 5.0 for MLC. Both are backed by a comparable volume of ratings — 2 and 2 respectively.
MyFluent ships an update every 3 weeks, MLC fortnightly. The most recent releases landed on October 10, 2026 and October 2, 2026 respectively.
| Parameter | MyFluent | MLC |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) | 5.0 (2 ratings) |
| Positive reviews | 92.0% of reviews | — |
| Number of ratings | 2 | 2 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 51 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | Fluent Money | Easy Money Group Acquisition Co., LLC |
Customer experience
MyFluent
MLC
Bugs and requests
MyFluent
Reported bugs
7 issues- Does not upload correctly
- Email bounces back
- Document tab doesn't work
- App doesn't update in line with changes
- New messages slow to appear
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- Slow to show documents
- Has to set up again on two occasions
Requested features
2 requests- Ability to complete forms online
- Touch ID login
MLC
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MyFluent
No in-app purchases
MLC
No in-app purchases
