£50 to £5,000 paid out by 9:58pm

Fast 3 to 36 month online loans.

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100% No obligation loan quote

Accept and get your cash in 15 minutes

We don't charge any fees, ever!

We don't credit check*

Representative APR 49.9%.

Representative Example:

Borrowing: £1200 for 18 monthsTotal Repayable: £1628.28Total Interest: £428.28Interest Rate (Variable): 49.9%

Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months.
†Loan amount subject to lender's requirements and approval. Subject to lenders requirement and approval. Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.
*New Horizons will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan.
If you accept a lender’s loan offer, they will perform a hard credit search.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
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: Scammers are using our brand to request fraudulent loan fees. We will never charge fees or ask for any payment in relation to a loan.

How we compare

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?
Instant decision
Can I repay in instalments
Flexible repayment
Do we credit check?*
No credit footprint

Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances - Our partner compares short-term loans from over 50 lenders. Loan term lengths from 3 to 36 months. New Horizons is a registered trading name of New Horizons Finance Limited, which is an Introducer Appointed Representative of Flux Funding Limited, who is a broker - not a lender.

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What our customers say...

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I applied for a £1000 loan on this website and was approved straight away. I even got the money in my bank within the hour. I was sceptical when I read that the money would be in my account straight away so I was pleasantly surprised. Very very good.


Couldn’t have done an application and received money in my bank account any quicker, excellent service and will definitely be using again.


Amazing! The loan was in my bank account really quickly. I tried a few other companies first but New Horizons was the only one that found me a loan!


I found New Horizon helpful with all the questions I had and they were able to put my mind at ease. Couldn't have asked for anything better


I'm really happy with the customer experience. I applied for a loan and had the money in my account within half an hour. I have to say that everything was done quickly and efficiently and I found the experience quite simple.


I have a bit of a shaky credit rating but I wanted to pay my credit cards off. New Horizons found me a loan really quickly and its saved me a lot of money every month.


When I was young I ruined my credit rating, but now on the road to repair...this site has helped me massively when all other companies declined me. I always pay back every month without fail and when I'm in need before payday...New Horizons save the day every time!! Magnificent company and 5-star service!


I needed a loan desperately as my car failed its MOT and I need my car to get to work. I found New Horizons through google and like the look of the website. The application was simple and I received the money within a couple of hours. I would definitely recommend this service to anyone who needs a loan quickly.


I am really pleased to have the opportunity to give feedback to New Horizons. I needed a loan quickly and applied as your website said I would be approved quickly and the loan would be sent to me straight away. Both things happened and I couldn't be more satisfied with the experience. Thank you for helping me in my hour of need.


No Credit Check Loan


Find your best rate loan without needing an initial credit check.*

‘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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Responsible Lending Information

At Flux Funding, we take responsible lending very seriously and do our best to ensure any online loan applied for is affordable. Please only apply for a loan that you can afford to repay and ensure you read the terms and conditions of a loan agreement.

Max/Min Terms of Repayment & Max APR – The loans offered on this website have minimum repayment terms of 3 months and maximum repayment terms of 36 months. Lending rates vary from 9.3% APR to a maximum APR of 1294% APR depending on your circumstances.

Collections Process – If you’re having difficulty making a payment please contact the lender directly. Should the situation remain unresolved the lender may reserve the right to pass your details onto a third party collections agency.

Implications of Non-Payment – We always recommend repaying within the agreed timeframe. Each lender has their own policies with regards to fees and interest, and how they collect outstanding debts. Most will contact you by phone or letter in order to rearrange payment. Non-payment may result in charges and/or raised interest. We suggest contacting your lender as soon as you are aware there is a problem, as otherwise, it may be noted on your credit record.

Late Payment – If you are unable to make your repayment on time then you should contact your lender immediately. Lenders may charge a late payment fee which could range between £1 – £100. This will vary between lenders. For more information please read the terms and conditions of your loan agreement.

Renewal Policy – If you wish to renew your loan, you should contact your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account. Please note that renewing your loan is not recommended if you are struggling to keep up with your repayments on any of your existing credit. If you are struggling or are unable to meet your contractual repayments, you should contact your lender immediately. You can also seek independent, free debt advice.

Consolidating Existing Debts – If you are looking to consolidate your existing debts, please be aware that your new loan may be at a higher rate of interest, over a longer repayment period and increase the total amount you repay.

Auto Decisioning – Auto decisioning allows lenders to make a decision on your loan application without the need for human interaction.

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