£400 Loan with Flexible Repayment.

Paid out by 6:59am

Fast 3 to 36 month 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: £1,200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9% pa (variable). 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.

£400 Loan – Enough to cover most emergencies

If your car has failed its MOT, or the boiler has packed up, the amount 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. The application process is quick and simple 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 15 minutes† of your application being accepted.

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

Questions about £400 loans

Q1 – I need a £400 emergency loan, can you help?
Q2 – Can I get a £400 loan today?
Q3 – I have a bad credit rating, can I still borrow £400?

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 pay outs, 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.

Can I get a £400 loan today?

At New Horizons, every lender that our partner works with has to meet certain criteria. One such criterion 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.

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

I have a bad credit rating, can I still borrow £400?

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 direct lenders that our partner works with 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.


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