Representative 49% APR
Representative Example: Borrowing: £1200 for 18 months, Total Repayable: £1628.28, Total Interest: £428.28, Interest Rate (Variable): 49.9%. Rates between 9.3% APR and maximum 1721% APR. 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. Loan repayment terms are 3-36 month loans.

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

£400 Loan – Enough to cover most emergencies

If your car has failed its MOT, or the boiler has packed up, the sum of money that you could need to find quickly can be significant. If you don’t have the money in your bank account, you may need to apply for a loan, such as a £400 online loan.

Porr credit loans

The application process is quick and straightforward, and you can get a decision on your £400 loan application instantly. We know that if you need to borrow £400, it is likely that you need it quickly, so our partner’s lenders will send the money to your bank account within hours of your application being accepted.

I need a £400 emergency loan, can you help?

The flexibility of most direct lenders now means that borrowing £400 has never been simpler, with instant decisions and same-day payouts, allowing you to deal with emergency situations quickly. There is a range of repayment options available too, meaning that you don’t have to find the whole amount on your next payday. With repayment plans of 3 to 36 months, our partner can find a loan to fit virtually any budget for £400 loans.

At New Horizons, we believe that everyone should have access to credit in times of emergency, including those who have a bad credit rating.

Can I get a £400 loan today?

At New Horizons, every lender that our partner works with has to meet specific criteria. One such approach is that they must be able to provide an instant decision to a customer’s application. Our partner’s technology means that they can provide every customer with a decision in less than a minute. If your application is accepted, then the lender will pay your loan out on the same day.

I have a low credit score, can I still borrow?

At New Horizons, we believe that everyone should have access to credit in times of emergency, including those who have a bad credit rating. The lenders that are available on our partner’s panel specialise in offering loans to people who have been declined elsewhere. Whether you have a CCJ or default, they may still be able to help. Many of their lenders offer £400 loans for bad credit, and our eligibility checker allows you to see if you have been accepted without leaving a footprint on your credit file.
If you are struggling with your debts and require assistance, you can speak to the companies below, free of charge.

Do You Need a Loan?

Apply now and the money could be in your bank today*. It only takes a few minutes to check your eligibility with a soft credit check.

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