£5000 Loan with Flexible Repayment.

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Fast 3 to 36 month online loans.

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We don't charge any fees, ever!

We don't credit check*

I need to borrow £5,000. Am I eligible?

To be accepted for a £5,000 loan, there are certain criteria that need to be met. Given that the amount is quite large, the lender will generally require that you are in employment earning at least £1,000 per month. This will differ from lender to lender but is a good rule of thumb. In addition to the income, the lender will assess your ability to repay the loan, by asking a series of affordability questions as well as perform a soft credit search.

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
Approximate monthly cost of borrowing £100
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

Can I apply without impacting my credit record?

When you apply for a £5,000 loan through New Horizons, our partner’s lenders will assess your suitability in a number of ways, as mentioned previously, they will look at your ability to repay the loan by completing an affordability assessment. They will also look at your past credit history by completing a soft credit search. This does not impact on your credit file and cannot be seen by other lenders, only you.

Can I borrow £5,000 with bad credit?

There is no question that having a bad credit score can limit your options of being accepted for a £5,000 loan. There are, however, a number of lenders who specialise in offering credit to customers who have been declined elsewhere or who have a poor credit history. Our partner works with a wide panel of lenders and customers who have been declined elsewhere.

I need to borrow £5,000 quickly, can you help?

When you apply for a loan with New Horizons, you will benefit from having to complete just one single application, you will then get a decision instantly on your application. If your application is approved, you can receive your £5,000 in as little as 15 minutes*.

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

Can I apply for a £5,000 loan with no credit check?

Whenever you apply for credit, the lender has to complete a credit check. This is a requirement of the Financial Conduct Authority. The good news, however, is that all of our partner’s lenders will use soft search technology when assessing your application. This will not have any impact on your credit score and can only be seen by you. There is no such thing as a no credit check loan.

Can I borrow £5,000 to pay off other debts?

When you take out a personal loan, there are very few restrictions to what you can use the money for. Usually, lenders will only specify that the loan cannot be used for business purposes.

If you need to borrow £5,000 to pay off other debts, you should make sure that this is financially the right thing to do. If by paying off the other debts this reduces the amount of interest that you will be paying, or if it allows you to pay off your debts more quickly, this could be a sensible solution. Be mindful that spreading the repayments over a longer period may increase the amount of interest that you pay in total.

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


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