Loans For Poor Credit.

£50 to £2500 paid out by 4:08pm

Fast 3 to 18 month loans.

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100% No obligation loan quote

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We don't charge any fees, ever!

We don't credit check *


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Customer Rated

Representative APR 278%.

Representative Example: £500 borrowed for 90 days. Total amount repayable £672.60 in 3 monthly instalments of £224.20. Total Interest £172.60. Interest Rate 140.0% (variable). †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.

Can I get a loan if I have poor credit?

Yes. Many direct lenders operating in the UK now offer loans specifically designed for people with poor credit. No longer only looking at a person’s credit history, many lenders now use more relevant data when assessing your application. Focusing on your current financial and employment status rather than any previous loan repayments you may have missed in the past, many lenders now offer loans that have been specifically designed for people with a poor credit history.

How we compare

Short term loan service
Why use us?
How much can new customers borrow?
Up to £2500
No fees, ever
What are the repayment terms?
3 to 18 Months
No paperwork
Approximate monthly cost of borrowing £100
£13
No obligation
Percentage of people offered financial help
92%
Instant offer
Can I repay in installments
Yes
Easy repayment
Do we credit check?*
No
No credit footprint

Borrow money today

Apply for a loan

As an independent broker, our role at New Horizons is to match you with the very best loans for your specific requirements. Wanting to give you the same access to loans as people with good credit scores, we specialise in finding loans for people with poor credit. Understanding that loans are often required in stressful circumstances, we will do everything we can to make the entire process as quick and painless as possible. Furthermore, we only recommend lenders that pass our strict criteria regarding ethical lending. Therefore, all of the lenders we deal with are FCA approved and offer full transparency regarding every aspect of their loans; ensuring there are no hidden fees or shocks.

No Credit Check Loan

Find your best rate loan without needing a credit check.

Our ‘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®

How do I apply for a bad credit loan?

New Horizons believes that having a poor credit score should not prevent a person from getting loans when they need them. With many direct lenders now agreeing with us, there is currently a great selection of loans for people with poor credit in the UK.

Using the information you provide us, we will instantly match you up with reputable, authorised lenders who we have calculated can give you the best deal. This allows you to quickly compare the loans being offered to you as well as eliminates the worry of your credit score being negatively affected by your application being denied. As a result, even people with very poor credit scores can now apply for loans. With an increasing number of direct lenders in the UK now offering such loans, the unfair disadvantages of having a bad credit score are finally being removed; including loans now available for people with poor credit and no guarantor.

Poor credit loan process

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We find the best rate from our panel of lenders

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We find 1000's of applicants a loan everyday

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Quick loan within 15 minutes

Flexible Repayment

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Access £50 to £2500 today

What are the best personal loans for people with poor credit?

There are many different factors to consider when looking to compare which lenders offer the best personal loans for people with poor credit. From the lender’s reputation and the APRs they offer to whether they charge any additional fees, it is important that you take everything into account before making your decision. To find the best poor credit payday loans for you, you then need to compare what the direct lenders are offering and relate this to your own needs. If you do this, you will give yourself a better chance of making the right decision and therefore getting the best deal for you. As such, lending experts have always recommended that you do as much research as possible before deciding to take out a loan. Understanding that this is not always possible, and that time is often a huge influence, New Horizons allows you to make a more informed decision by matching you with the best poor credit loans being offered by direct lenders.

Ready for a quick loan?

Access £50 to £2500 today