£4000 Loan with Flexible Repayment.

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Fast 3 to 36 month online loans.

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We don't credit check*

£4,000 loans for any purpose.

If you are looking to borrow £4,000 loan, it is likely that you need this for a specific purpose. At New Horizons, you can apply for a £4,000 loan for debt consolidation, to buy a car or to make home improvements and a whole host of other reasons. Even if you are looking for a wedding loan, we can help.

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

£4000 loan questions:

Q1 – Do I need a guarantor to apply for a £4,000 loan?
Q2 – Can I borrow £4,000 even if I have a bad credit score?
Q3 – I want to pay off my credit cards, can you help?
Q4 – I want to make a large purchase, is a loan the right option?

Do I need a guarantor to apply for a £4,000 loan?

At New Horizons, our partners work with a wide range of lenders. It is usually preferable for customers not to have a guarantor on their loan. As a result, our partner’s lender panel offers loans to customers who do not have a guarantor.

If you have a bad credit history and prefer to have a guarantor on your £4,000 loan, we can assist you too. Having a guarantor can be a cheaper alternative if you have a poor credit score.

Can I borrow £4,000 even if I have a bad credit score?

Customers who have a poor credit rating may find borrowing larger amounts of money difficult. Many lenders, like banks or building societies, will not lend money to bad credit customers.

At New Horizons, we specialise in helping customers who may have a bad credit rating find access to credit. Our partner has a panel of lenders who offer £4,000 loans to customers who struggle to be accepted by mainstream lenders.

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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I want to pay off my credit cards, can you help?

If you are looking to for a £4,000 loan to pay off other types of credit, it is important to make sure that you will be financially better off by doing so.

If you are making the minimum payments on credit cards, for instance, the amount of interest and the amount of time it will take to pay off the balance can be significant. Having a fixed term personal loan can be a good option in these circumstances as it gives you a set amount of time when you know that you will be debt free.

It is important not to start spending on the credit cards that you have cleared with your £4,000 loan, however, as you could make your financial position much worse.

I want to make a large purchase, is a loan the right option?

If you want to make a large purchase a personal loan is certainly a potential option. If you want to make home improvements, purchase a car or consolidate debt, a £4,000 loan could be the right option.

The main benefit of taking out a £4,000 loan as opposed to using a credit card, for instance, is that you will have fixed repayments and a fixed repayment period. This enables you to budget more effectively. Using credit cards can be an option also, however, be aware that making the minimum repayments will significantly extend the repayment period, potentially meaning you pay much more in interest.

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


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