Bad Credit Payday Loans

£50 to £5,000 cash paid out by 12:49pm

Fast 3 – 18 month 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.

Bad credit payday loans in the UK. How do they work?

Bad credit payday loans are specifically designed to quickly provide small amounts of cash to people who would normally struggle to get such loans because of their poor credit history. These types of loans are designed for unexpected, one-off expenses, and have been created to help people until their payday. Payday loans, also sometimes referred to as a payday advance, are most commonly characterised by a short repayment period, small credit limit and a relatively higher APR. A payday loan for someone with bad credit is specifically designed to help individuals get quick access to the money they need.

Q1 – Will my credit score affect my loan?
Q2 – Can I check if a bad credit loan is right for me?
Q3 – Does having a bad credit rating mean I will be automatically declined?

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

Ready for a quick loan?

Access £50 to £5,000 today

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*

Will my credit score affect my loan?

Lenders use credit scoring to decide who they lend to. A bad credit score often means lenders are less likely to approve payday loans because a direct lender classifies them as a risk in regards to their ability to make the repayments on time. This sounds fairly simple, yet there is no universal credit score or rating. Therefore, lenders will often score you differently using their own criteria, such as whether you’re on the electoral roll, late/failed loan repayments and the extent of your credit history. As such, some people can accidentally find themselves with a bad credit score.

New Horizons understands that people can find themselves with a bad credit score because of many innocent reasons. That is why it is aimed to match you with lenders that offer the best payday loans for people with bad credit in the UK. Understanding that such reasons do not make you an immediate loan risk, and believing that everyone should have equal access to credit when needed, each of the lenders has been specially selected because they specifically offer payday loans for people with bad credit.

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

Can I check if a bad credit loan is right for me?

While many site lenders often claim to offer payday loans with no credit check, the reality is that The Financial Conduct Authority legally requires all direct lenders to perform mandatory credit checks. As such, this means there is no such thing as a ‘no credit check loan’. Perhaps the biggest concern when it comes to applying for payday loans in the UK is the risk of your application is turned down because of bad credit. Not only does this mean you still do not have the funds you require, but your credit score may also be negatively affected as a result.

Failing a credit check, unfortunately, creates a damaging, negative cycle in which people with bad credit scores are not only turned down for payday loans, but loan lenders will downgrade their credit score even more. One consequence of this is that it can become even more difficult to get a loan in the future.

New Horizons allows you to perform a Soft Credit Match. What this means is that you can search for which lenders are most likely to approve payday loans in the UK without the worry of this check leaving you with bad credit. Not only does this allow you to search more extensively for the right deal for you, but it also enables you to do so without having to worry about your credit score is negatively affected.

Does having a bad credit rating mean I will be automatically declined?

Not at all. If you have a poor credit rating there are lenders, such as banks and building societies, that will not consider lending to you. However, there are a growing number of lenders who specialise in providing bad credit payday loans. New Horizon’s partner has a large panel of lenders who are authorised and regulated by the The Financial Conduct Authority. The lenders they work with offer bad credit loans and help people of all circumstances. Our partner’s lenders can also give you an instant decision on your application.

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

Bad credit payday loan process

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Loans paid within 15 minutes

Flexible Repayment

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Ready for a quick loan?

Access £50 to £5,000 today