Loans For Poor Credit.

£50 to £5,000 paid out by 7:49am

Fast 3 to 36 month online loans.

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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: £1,200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9% pa (variable). 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.

Can I get a loan if I have poor credit?

Yes. Many direct lenders operating in the UK now offer short term 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. Even if you are looking for very bad credit loans, direct lenders we feature may be able to help.

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

Poor credit loan questions:

Q1 – Are short term emergency loans safe?
Q2 – How do I apply for a bad credit loan?
Q3 – I need a loan and have poor credit. How much can I apply for?
Q4 – How quickly will I receive the money?
Q5 – Will you send my data to marketing companies?
Q6 – What are the best short-term loans for people with poor credit?
Q7 – How can I improve my credit score?
Q8 – What should I do if I need help with my debts?

Are short term emergency loans safe?

As a loan introducer, who is authorised and regulated by The Financial Conduct Authority, New Horizons help match you with the very best loans for your specific requirements. Wanting to give you the same access to short term loans as people with good credit scores, we help in finding loans for people with very bad credit. Understanding that loans are often required in emergencies, we will do everything we can to make the entire process as quick and painless as possible. Furthermore, lenders are only recommended if they pass strict criteria regarding ethical lending. Therefore, all of the lenders on the panel 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 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

How do I apply for a bad credit loan?

New Horizons believes that having a poor credit score or are looking for very bad credit loans, should not prevent a person from getting short term 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, you will be instantly matched up with reputable, authorised lenders who can give you the best deal. This allows you to compare loans being offered to you as well as eliminates the worry of your credit score is negatively affected by your application being denied, even if you are looking for very bad credit loans. As a result, even people with very bad credit scores can now apply for quick 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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Find the best rate from a panel of lenders

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Every day we accept 1000's of applications

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Loans paid within 15 minutes

Flexible Repayment

100% no obligation quote

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I need a loan and have poor credit. How much can I apply for?

At New Horizons our partner works with a wide variety of direct lenders who offer short-term loans ranging from £50 up to £5,000. You can also spread the monthly repayments on your poor credit loan over 3 to 36 months, allowing you to budget accordingly. Even loans for very bad credit can be applied for.

How quickly will I receive the money?

At New Horizons, we know that if you need to borrow money it is likely that you need the loan quickly. To assist with this our partner’s direct lender panel all offer instant decisions on your application and will aim to have the funds in your account within 15 minutes* of approving you. Loans for very bad credit direct lenders have revolutionised the market in terms of how fast they can get the money in your account.

Will you send my data to marketing companies?

As a company who is monitored by The Information Commissioner’s Office we will only send your data to a company with the aim of getting you access to a loan. We do not use external marketing companies to contact our customers. Please see our Privacy Policy for further details.

What are the best short-term loans for people with poor credit?

There are many different factors to consider when looking to compare which lenders offer the best short-term loans for bad 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 bad credit 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 its partner matching you with the best loans for poor credit being offered by their poor credit loans direct lenders.

How can I improve my credit score?

If you have a poor credit score, getting credit from mainstream lenders can be a challenge. Time is the biggest healer when it comes to improving a poor credit score, however ensuring that all credit payments are made on time is essential. It is also important to make sure that the information that the three main credit reference agencies, Experian, Equifax and CallCredit hold on you is correct, as any errors may be harming your score. It is also worth closing down any unused bank accounts, storecards, credit cards or catalogues as this can impact your ability to get credit also.

What should I do if I need help with my debts?

If your debts have become too much for you and you feel that you need advice, you can speak to numerous companies, who can give you advice free of charge. Here are 3 companies who may be able to help.

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