3 to 18 Month Loans.

£50 to £5,000 paid out by 9:19pm

Fast online loans.

Secure UK Site Secure UK Site

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.

12 month loans – What are they for?

Small cash loans, such as emergency and payday loans are designed to help people get almost instant access to small amounts of money. Whilst these loans are very useful and convenient in sudden emergencies, they do traditionally feature a very short repayment period. As such, these loans are only suitable for people who can quickly repay the loan; often around 3, 6 and 12 months later.

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.*

Get Your CreditMatch

To make small short-term loans even more convenient, many direct lenders now offer small pay monthly loans, such as 12 month loans. What this means is that you can borrow money safe in the knowledge that you do not have to repay it all back straight away. From 3 month short-term loans designed to give you some breathing space to 12 month short-term loans that are more of a long-term solution, New Horizons can help you find the best repayment plan for you. Our partner has lenders specialising in helping people with a poor credit rating, the panel of lenders who offer 6 month loans and 12 month loans for people with bad credit.

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

Using your information, they will quickly identify the best short-term loans that match your requirements; allowing you to compare what is being offered and thereby make a more informed decision. Whilst we understand that 12 month loans with no credit check may sound appealing, the truth is that all direct lenders must perform a credit check on your application. To alleviate fears of being turned down, we can identify which lenders will be most likely to approve your loan before you apply.

A small cash loan or payday loan offers a short term financial solution and should not be used as a long term solution.

If you are struggling with your debts and require assistance. You can speak to the companies below, free of charge.


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