Cash Loans Today with Instant Decision.

Up to £5,000 paid out by 10:19pm

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:

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
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.

What are small cash loans?

Small cash loans are a type of short-term loan designed to help people to borrow small amounts of cash quickly. Designed to be used for sudden, unexpected events, such as car and home repairs, emergency cash loans can be a quick and useful solution. With loans generally ranging from £50 – £1,000 or more, instant cash loans can often be approved very quickly; with the money often paid into your account the same day as you apply; sometimes within hours or even minutes.

Small cash loan process

Apply Online

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Get the Best Rate

Find the best rate from a panel of lenders

Instant Approval

Every day we accept 1000's of applications

Get Cash in Minutes

Loans paid within 15 minutes

Flexible Repayment

100% no obligation quote

Ready for a quick loan?

Access £50 to £5,000 today

Cash loans questions:

Q1 – Can I get a cash loan online?
Q2 – How fast can I get a cash loan online?
Q3 – Are there cash loans for people with bad credit?
Q4 – I have bad credit, do I need a guarantor?
Q5 – I need a cash loan today. Can you help?
Q6 – Is my data safe?

Can I get a cash loan online?

Understanding that such short-term loans are often urgent in nature, many direct lenders in the UK now offer cash loans online. Similar to other types of short-term loans, cash loans often feature a higher than normal interest rate. Therefore, you must always ensure that you only borrow what you really need, as well as be certain that you can make the repayments in the agreed time.

How fast can I get a cash loan online?

It is important to remember that different lenders offer different types of loans. For example, if you need quick access to cash, a bank may be inappropriate because their processing times are generally longer than online lenders who can get the money you need into your account very quickly. Therefore, our partner will do everything they can to ensure you get the right cash loans and lender for you today. Even if you are looking for a bad credit cash loan you could have the money in your account within 15 minutes of being approved.

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

Are there cash loans for people with bad credit?

Credit scoring is a system used by lenders to decide who they lend to. A bad credit score often means lenders are less likely to give cash loans to a person because they are perceived as a risk in regards to their ability to repay the loan. While this may sound fairly simple, there is no agreed credit score or rating amongst lenders. Therefore, direct lenders will often score you differently using their own criteria, such as whether you are on the electoral roll or if you have missed loan repayments in the past. As such, some people can accidentally find themselves with a bad credit score.

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 bad credit, do I need a guarantor?

New Horizons understands that a person can be given a bad credit score for a variety of often innocent reasons. That is why our partner does everything they can to match you with the lenders that offer the best cash loans for people with bad credit in the UK even without a guarantor. Understanding that a poor credit history does not make you an immediate loan risk and believing that everyone should have access to credit when needed, each of the lenders has been specially selected because they specifically offer cash loans for people with bad credit

I need a cash loan today. Can you help?

Our partner works with a panel of lenders who specialise in providing instant cash loans. With loans from £50 to £5,000, you can apply online and get an instant decision from a range of lenders. All of the lender partners are authorised and regulated by The Financial Conduct Authority. There is a range of repayment options available for your cash loan, so you can ensure that the loan you choose is within your budget.

Is my data safe?

All of the data we hold is fully secure and is protected by 256-bit security. We are registered with The Information Commissioner’s Office and are fully GDPR compliant. Please see our Privacy Policy for further details

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

Ready for a quick loan?

Access £50 to £5,000 today