Loan Guides | Frequently Asked Questions | New Horizons

Borrowing Money

What will I need to qualify for a loan today?Loan approval criteria
How do New Horizons find the loan I need? How we compare
How do I keep my monthly repayments affordable? Affordable loan terms

Short Term Loans

Will you be accepted for a short term loan if you have a bad credit score? Short term loan with bad credit
Can you be accepted for a short term loan without needing a credit check? No credit check short term loan
Are short term loans like weekly instalment loans? Bad credit instalment loans
Are short term loans available for students? Student short term loans

Bad Credit Loans

Can you find a loan with bad credit without needing a guarantor?Loan without guarantor
Are the rates better if you find someone to guarantor your loan? Guarantor loans
My credit is poor will this stop me from securing the loan I need? Poor credit loans
Can I find a loan without needing a credit check? No credit check loans

Quick Loans

Are quick small loans the most expensive types of loans?Small loans
How fast will the money be transfered to my bank? Fast loans
Can I get a loan online and have the cash today? Cash Loans
I need money in an emergency, what are my best options? Emergency loans

Payday Loans

Can you be approved for a payday loan even with a bad credit rating?Payday loans for bad credit
Are there any payday loans where I am guaranteed to be accepted? Guaranteed payday loans
What is an instant payday loan and how fast will I recieve the money? Instant payday loans
How do I decide who the best payday lender is for me? Best payday lenders

Same Day Loans

I need a loan today. What are my options?Need money now
Will my bad credit rating stop my being accepted? Same day loans bad credit
Can I get a same day loan without a credit check? Same day loans no credit check

Car Loans

Can you help me buy a car if I have a poor credit rating?Bad credit car loans
Am I guaranteed to be accepted for car finance? Guaranteed car loans
What is a logbook loan and is it suitable for me? Logbook loans

New Horizons is a registered trading name of RIFM Limited, which is an Introducer Appointed Representative of Flux Funding Limited. Registered in England and Wales (Company number 10505990/FRN 776011) Registered Office: 85 Great Portland Street, First floor, London, W1W 7LT. Flux Funding is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 806333. Licenced by the Information Commissioners Office, (registration number ZA222712)

Flux Funding is a licenced credit broker, not a lender.
*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.
†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 does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through this website.

Representative APR 239.7%

Representative Example: £500 borrowed for 5 months. Total amount repayable £1,003.58 in 5 monthly instalments of £200.72 Total Interest £503.66. Interest Rate 239.7% pa (variable).Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.