Representative 49% APR
Representative Example: Borrowing: £1200 for 18 months, Total Repayable: £1628.28, Total Interest: £428.28, Interest Rate (Variable): 49.9%. Rates between 9.3% APR and maximum 1721% APR. 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. Loan repayment terms are 3-36 month loans.

Warning: Late repayment can cause you serious money problems. For help, go to

What is an instant payday loan?

Instant payday loans are a kind of fast loan specifically intended to help those who find themselves suddenly and unexpectedly needing extra funds quickly. Instant payday loans are traditionally small in amount and are often repaid in a shorter amount of time, usually within around three months.

Get an instant payday loan

How do instant payday loans work?

You can get money instantly after being approved for an instant payday loan. Understanding that the need for such loans is often urgent and stressful, an instant payday loan direct lender strives to place the money you have requested as quickly as possible into your account.

Because such fast loans are often required to be repaid quickly, they usually feature APRs that are higher than other types of loans. Instant payday loans should, therefore, only be used in emergencies and are not a viable solution for long-term money issues. However, if repaid in the designated time, such loans can often be a better option than other types of short-term money lending.

What do you need for an instant payday loan?

You should only use our instant payday loan service if you are a UK resident over the age of 18 years old. If you meet these requirements, then you can apply. You’ll need to provide us with some personal and financial details. The application process is quick and simple, you’ll have your loan instantly providing you meet the criteria.

Can New Horizons help me get an instant payday loan?

To meet the demand for payday loans, a growing amount of money lenders are beginning to offer instant payday loans online. What we do as an introducer is help you easily compare instant payday loans offered by the largest and most reliable lenders across the UK.

You can get quick and easy access to the money you need safe in the knowledge that all of our lenders are authorised and regulated by The Financial Conduct Authority. 

Applying for an instant payday loan when you have been declined elsewhere can make people nervous. Find out if you will be accepted for a fast loan with no impact on your credit file.

Are New Horizons a direct lender?

We are a payday loan introducer, not a lender, but we are an introducer with a difference. First, we do not charge you for our service. Next, our partner uses a unique search process which allows us to use your information to help find the ideal lender for you and your requirements.

Can I get approved for a fast loan before I apply?

No, but to help you we carry out a Soft Credit Match, meaning we will show you only the lenders that are most likely to accept your payday loan using the information you have given us. Doing this has two tremendous benefits. First, it can significantly speed up an application process, and secondly, it can help you find the best deal possible.

Do New Horizons work with trusted lenders?

All of the lenders on our panel are fully certified and accredited and have to follow strict FCA guidelines. Featuring all of the biggest, most-respected lenders across the UK, ensuring full transparency is of the utmost importance. It will ensure that you always have access to the critical information you require before making an informed decision about your instant payday loan.

Will I need a guarantor for a quick loan?

We work with lenders who provide both guarantor loans and loans for people who do not have a guarantor. Modern lenders now understand that there is a wide variety of reasons why a person may not have access to a guarantor. As such, many lenders now offer instant loans without the need for a guarantor. As it ensures that everyone has the same access to fast loans in those times when they most need it most.

Do I need to have a credit check for a fast loan?

The Financial Conduct Authority requires all lenders in the UK to perform mandatory credit checks on all applications. Worse, such loans could damage your credit score if your application is turned down; making it more difficult to get a payday loan in the future.

Can I get an instant loan with bad credit?

Yes. Understanding that people can have a bad credit score through no fault of their own, many lenders are now basing their decisions on more up-to-date information, such as your current employment situation and requirements. It means that an increasing number of lenders are providing instant loans to people once considered to have bad credit scores.

Why choose an online instant loan with us?

We are one of the top lending websites in the UK. Applying for a fast loan with us, has many benefits:   

  • We never charge fees
  • Applying online is quick and simple
  • Borrow up to £5,000
  • Repay within 3 to 36 months
  • We guarantee the best rates
  • You can apply even with bad credit
  • Our lenders only conduct a ‘soft-search’
  • Get cash instantly

If you would like to find out more information about instant payday loans or are struggling with your debts, you can speak to the companies below, free of charge.

Do You Need a Loan?

Apply now and the money could be in your bank today*. It only takes a few minutes to check your eligibility with a soft credit check.

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