What are small cash loans?
Small cash loans are a type of 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, 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.
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Understanding that such 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.
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, we will do everything we can to ensure you get the right cash loans and lender for you today.
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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, individual 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.
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New Horizons understands that a person can be given a bad credit score for a variety of often innocent reasons. That is why we do everything we can to match you with the lenders that offer the best cash loans for people with bad credit in the UK. 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 our lenders has been specially selected because they specifically offer cash loans for people with bad credit.