Representative APR 49.9%
Representative Example: Borrowing: £1200 for 18 months, Total Repayable: £1628.28, Total Interest: £428.28, Interest Rate (Variable): 49.9%.New Horizons is a registered trading name of New Horizons Finance Limited, which is an Introducer Appointed Representative of Flux Funding Limited, who are a credit broker, not a lender.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Everything you need to know about New Horizons

We’re one of the UK’s leading loan introducers and everyday our technology helps over 4500 people find a loan. Based in London, we serve the whole of the country 24 hours a day, 7 days a week.

Safe and secure? Without a doubt! We are authorised and regulated by the Financial Conduct Authority and registered with the Information Commissioners Office.

What you need to know
Why use us?
How much can new customers borrow?
Up to £5,000
No fees, ever!
What are the repayment terms?
3 to 36 Months
No paperwork
Representative APR
49.9% (variable)
No obligation quote
Can I apply with bad credit?
Yes
Instant decision
Can I repay in instalments
Yes
Flexible repayment
Do we credit check?
No
No credit footprint

Apply Online

Takes minutes and is completely secure and confidential.

Get the Best Rate

Find the best rate from our panel of lenders.

Instant Approval

Find out if you’ve been approved right away. Every day we accept 1000's of applications.

Get Cash in Minutes

Loans can be paid within 15 minutes * with flexible repayment terms.

Worried about your credit score?

Soft Credit Match' technology matches your profile to over 50 Financial Conduct Authority (FCA) approved loan companies without leaving any mark on your credit record.

With no obligation & no cost – it’s the best way to find a loan with no credit check.†

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What our customers say...

Putting the customer first at New Horizons

New Horizons is a UK based online credit broker who specialises in helping customers find a suitable loan. We were established in 2017 and have spent the last three years, introducing hundreds of thousands of customers to the best lenders in the UK.

As a relatively new company, we have been able to implement all of the great things that have happened in the UK loans market in the last few years. Unlike some older companies, who were around when the loans market was rife with fee chargers and companies who sold your data, every decision we make as a business is aimed at providing a better experience for our customers.

We have an ethos at New Horizons, which is to do the right thing for your customers, and the business will take care of itself.

Customer Promise

As a business, we understand that trust is something that is earned. It can take a long time to gain a person’s confidence and a second to lose it. That is why we believe in being upfront about our processes.

The only time we will contact you is to see if you received the loan you applied for and to offer an alternative if you did not. You can, of course, opt-out of any contact at any time.

  • We will never sell your personal data.
  • We will never contact you trying to sell other products.
  • We will never give consent to other companies to contact you.

What do our customers say about us?

We are fortunate at New Horizons in that our customers often tell us what they think of the service that we have provided to them. While we are always happy to hear from customers who tell us we have done well, we are equally pleased to hear from customers who tell us what we could have done better. This allows us to make changes to our website or processes to deliver a better quality of service.

Perfection is hard to achieve, but we will never stop trying to be better. Our Gold Feefo rating says we are getting it right more often than not.

Who do we help?

One of the great things about New Horizons is that we can help a whole variety of people. If you have a good credit rating and are looking for a cost-effective way to borrow money, we have lenders who can offer some great rates. Also, if you have experienced some credit problems in the past, we work with lenders who can still help, whether you have just been late with the odd payment or if you have a default or CCJ.

Our lenders also offer different types of loans, including short term loans for those who only need to borrow money for a few months, to personal loans with the repayments spread over multiple years. We even work with guarantor lenders for those people who wish to use this option.

Short Term Loans

Short Term Loans

Short term loans are smaller loans typically from £50 to £1000 and are usually paid back over a period of 1 month to 12 months, depending on the size of the loan you need.

Bad Credit Loans

Bad credit loans can sometimes be the best solution to a sudden unexpected expense or emergency. They provide a way to access additional funds quickly.

Quick Loans

If you’re suddenly faced with an emergency, then a quick loan can be the solution that keeps everything ticking over until you can get back on top.