Easy Loans.

Easy loans in the UK: find yours in minutes

When you need to borrow money, the process should be straightforward. No confusing forms, no long waits, and no unexpected surprises halfway through. That’s exactly what easy loans are designed for: a simple, fast route to the funds you need, with clear terms from the start.

New Horizons searches over 50 FCA-authorised lenders in one go, so you can see your matched loan options without filling out multiple applications. Whether you’re looking for quick loans to cover an unexpected bill or need a few thousand pounds for something bigger, we make the process as easy as possible.

You can borrow from £50 to £5,000, repay over 3 to 36 months, and check your eligibility without any impact on your credit score. Our Soft Credit Match technology does the hard work for you, matching your profile to lenders most likely to say yes.

How easy loans work at New Horizons

Getting matched with a lender through New Horizons takes just a few minutes. Here’s how the process works from start to finish:

1. Complete our short online form with your personal and financial details
2. We run a Soft Credit Match across our panel of over 50 FCA-authorised lenders
3. You see your matched loan options instantly, with no impact on your credit score
4. Choose the offer that works for you, or walk away with no obligation
5. If you accept an offer, the lender completes a full affordability check
6. Once approved, funds could be in your account within 15 minutes

The whole process is online and available 24 hours a day, 7 days a week. There’s no paperwork to post and no phone calls to make. You apply once, and our technology handles the rest.

New Horizons is a credit broker, not a lender. That means we don’t make lending decisions ourselves. Instead, we search our entire panel to find lenders that match your circumstances, which gives you a much wider range of options than approaching a single lender directly.

What makes a loan “easy”?

The word “easy” gets used a lot in the loans industry, so it’s worth explaining what it actually means when you borrow through New Horizons. An easy loan isn’t about cutting corners on responsible lending. It’s about removing unnecessary barriers between you and the funds you need.

Here’s what easy looks like with us:

• A short online form that takes around three minutes to complete
• One application that searches over 50 lenders at once
• A soft search that won’t leave any mark on your credit file
• An instant decision so you’re not left waiting
• No fees charged by New Horizons, ever
• Funds sent within 15 minutes of approval by the lender*

Easy should never mean irresponsible. Every lender on our panel is FCA-authorised and will carry out proper affordability checks before offering you a loan. That’s a good thing. It means you’ll only be offered what you can realistically afford to repay.

What you need to know

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?

Yes

Instant decision

Can I repay in instalments

Yes

Flexible repayment

Do lenders credit check?

Yes

We only soft-search

Eligibility requirements for easy loans

To check your eligibility through New Horizons, you’ll need to meet a few basic requirements. These apply to all loan types across our panel.

You must:

• Be at least 18 years old
• Be a UK resident
• Have a regular source of income
• Hold a UK bank account
• Provide accurate personal and financial information

Meeting these requirements doesn’t guarantee approval, as each lender sets their own criteria. However, because we search over 50 lenders, your chances of finding a match are significantly higher than applying to just one.

If you’ve been refused a loan elsewhere, it doesn’t mean you’ll be declined here. Different lenders look at different factors, and some on our panel specialise in working with applicants who have less-than-perfect credit histories.

Easy loans for bad credit

A low credit score can make borrowing feel anything but easy. Many lenders turn people away based on their credit history alone, without considering their current income or circumstances.

Our panel includes lenders who take a broader view. They look at your current affordability, not just your past. Whether you’ve had a default, CCJ, or just a few late payments, you can still check your eligibility through New Horizons without any impact on your credit file.

If your credit history is holding you back, you might also find our dedicated loans for bad credit page helpful. And if you’re working on rebuilding your score, our guide on how to improve your credit score covers practical steps you can take today.

Understanding the costs of easy loans

Transparency about costs is something we take seriously. Before you accept any loan offer, you’ll see the full details: the interest rate, monthly repayments, and total amount repayable. No hidden charges, no surprises.

New Horizons does not charge customers any fees for using our service. We’re paid by lenders, never by you. That means it’s completely free to check your eligibility and compare your options.

Here’s what you need to know about loan costs:

• Representative 49.9% APR
• Rates range from 9.3% APR to a maximum of 1721% APR depending on the lender and your circumstances
• The rate you’re offered depends on factors like loan amount, term length, and your credit profile
• All rates are clearly displayed before you commit to anything

Representative example: Amount of credit: £1,200 for 18 months at £95.44 per month. Total amount repayable: £1,717.83. Interest: £517.83. Interest rate: 49% pa (fixed). Representative 49.9% APR.

The APR you see will depend on which lender you’re matched with. Some lenders offer lower rates for larger amounts or longer terms, while short-term lenders may charge higher rates for smaller, shorter loans. Either way, you’ll always know the exact cost before you agree to anything.

Why choose New Horizons for your easy loan?

There are plenty of loan brokers in the UK, so why use New Horizons? It comes down to a combination of our lender panel, our technology, and the promises we make to every customer.

We search over 50 FCA-authorised lenders with one application, giving you access to a wider range of options than most brokers offer. Our Soft Credit Match technology finds your matches without leaving any mark on your credit record. Only you can see the soft search on your credit file, and other lenders won’t know you’ve applied.

Established in 2017, we’ve built our reputation on doing things differently. Our Feefo Gold Trusted Service rating reflects consistently positive feedback from real, verified customers.

We also make a formal Customer Promise built around three commitments:

• We never sell your personal data
• We never contact you to sell other products
• We never give consent to other companies to contact you

These aren’t just words. They’re commitments that set us apart from brokers who profit from selling your information to third parties. Your data stays with us. Always.

Easy loans by amount

The amount you need to borrow will affect which lenders you’re matched with and the terms available to you. Through New Horizons, you can borrow from £50 to £5,000, with repayment terms from 3 to 36 months.

Here’s a quick guide to popular loan amounts:

For smaller needs like a car repair or an overdue bill, a £200 loan or £500 loan could be enough to bridge the gap. These smaller amounts are typically repaid over shorter terms.

For larger expenses, a £1,000 loan or £2,000 loan gives you more flexibility. Larger loans can be spread over longer repayment periods, keeping monthly payments manageable.

Whatever amount you need, the key is to borrow only what you can comfortably repay. Our lenders will carry out affordability checks, but it’s worth doing your own calculations first to make sure the repayments fit within your budget.

Different Types of Easy Loans

Alternatives to easy loans

Borrowing isn’t always the right answer, and we’d rather you explored all your options before committing to a loan. Here are some alternatives worth considering:

• Credit unions often offer lower interest rates than commercial lenders, especially for smaller amounts
• If a bill or payment is overdue, contact the company directly to ask about payment plans or hardship arrangements
• Family or friends may be able to help with a short-term loan, though it’s always wise to agree clear terms
• Government grants or benefits may be available depending on your circumstances, check GOV.UK for what you might be entitled to

If you’re struggling with debt or feeling overwhelmed by your finances, free and impartial advice is available. MoneyHelper and StepChange both offer confidential support at no cost.

Taking on new borrowing when you’re already in financial difficulty can make things worse. If you’re unsure whether a loan is right for you, speaking to a free debt advisor first is always a sensible step.

How to get approved for an easy loan

While we can’t guarantee approval (that’s always the lender’s decision), there are practical steps you can take to improve your chances of being matched with a suitable offer.

1. Check your credit report for errors before you apply. Mistakes on your file can lead to unnecessary rejections. You can check for free with Experian, Equifax, or TransUnion
2. Make sure all the information on your application is accurate. Inconsistencies between what you provide and what lenders find on your credit file can cause problems
3. Only borrow what you genuinely need. Requesting a realistic amount increases your chances of approval
4. Register on the electoral roll at your current address if you haven’t already. This is one of the simplest ways to boost your credit profile

If you’ve been turned down for credit recently, our guide on getting out of debt may help you identify steps to strengthen your financial position before applying again.

Same day easy loans: how fast can you get funds?

Speed is often a priority when you’re looking for an easy loan. Once you’ve been matched with a lender and accepted their offer, funds can be sent to your bank account within 15 minutes of approval.*

The exact timing depends on your bank’s processing speeds and when you apply. Most major UK banks support Faster Payments, which means the money typically arrives the same day. If you need funds urgently, our same day loans page explains the process in more detail.

Because our service is available 24 hours a day, 7 days a week, you can check your eligibility and get matched with a lender at any time. Evenings, weekends, bank holidays: the process works the same way.

*Once approved, your cash will be sent within 15 minutes. The time it takes for cash to be received in your account will depend on your bank’s policies and procedures.

Responsible borrowing with easy loans

An easy application process doesn’t change the fact that a loan is a financial commitment. Before you borrow, it’s worth asking yourself a few questions:

• Can I comfortably afford the monthly repayments alongside my existing bills?
• Have I explored alternatives like savings, payment plans, or financial support?
• Do I understand the total cost of the loan, including interest?
• What happens if my circumstances change and I struggle to repay?

If you can’t make a repayment, contact your lender straight away. Most lenders would rather work with you to find a solution than let the situation escalate. Ignoring missed payments can lead to additional charges, collections activity, and damage to your credit record.

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

Frequently asked questions about easy loans

What are easy loans?

Easy loans are personal loans designed with a simple, fast application process. Through New Horizons, you complete one short online form and we search over 50 FCA-authorised lenders to find your best match. The term “easy” refers to the straightforward process, not a reduction in responsible lending standards.

Can I get an easy loan with bad credit?

Yes, you can check your eligibility even if you have a poor credit history. Our panel includes lenders who specialise in working with applicants who have defaults, CCJs, or missed payments. Your initial eligibility check uses a soft search that won’t affect your credit score, so there’s no risk in checking.

How quickly can I receive funds?

Once approved by a lender, funds can be sent within 15 minutes. The time it takes for the money to arrive in your account depends on your bank’s processing policies. Most UK banks using Faster Payments process transfers the same day.

Will applying affect my credit score?

No. Your initial eligibility check with New Horizons uses a soft search that’s invisible to other lenders. It won’t appear on your credit file or affect your score. A hard credit check only happens if you choose to accept a loan offer and the lender proceeds with a full application.

How much can I borrow with an easy loan?

You can borrow from £50 to £5,000 through New Horizons. The amount you’re offered depends on your income, expenditure, and credit profile. Repayment terms range from 3 to 36 months, so you can choose a schedule that fits your budget.

Are there any fees?

New Horizons does not charge customers any fees for using its services. Our service is completely free to you. We’re paid by lenders when a successful match is made, so you’ll never pay us a penny whether you’re approved, declined, or choose not to proceed.

Is New Horizons a lender?

No, New Horizons is a credit broker, not a lender. We don’t make lending decisions or provide loans directly. Instead, we search our panel of over 50 FCA-authorised lenders to find you the best possible match. New Horizons Finance Ltd (Company No. 11757330, FCA reference: 834535) is an Appointed Representative of Flux Funding Limited (FRN 806333).

What happens if I’m not matched with a lender?

If we can’t find a match, you won’t be charged anything and your credit score won’t be affected. We’d suggest checking your credit file for errors, considering a smaller loan amount, or trying again if your circumstances change. Our loan approval criteria page explains what lenders typically look for.

Can I repay my loan early?

Most lenders on our panel allow early repayment, and some won’t charge any additional fees for doing so. The specific terms depend on your lender. Early repayment can reduce the total interest you pay, so it’s worth asking your lender about this option if your finances improve.

What’s the difference between easy loans and payday loans?

Easy loans and payday loans are often similar products, but the terms can vary. Traditional payday loans were designed to be repaid on your next payday in a single lump sum. Easy loans through New Horizons offer more flexible repayment terms from 3 to 36 months, allowing you to spread the cost into manageable monthly instalments.

Are easy loans safe?

When you borrow through New Horizons, every lender on our panel is FCA-authorised and regulated. Your personal data is encrypted and protected, and we never sell your information to third parties. Our Feefo Gold Trusted Service rating reflects consistently positive experiences from verified customers.

What do I need to apply?

You’ll need basic personal details, your employment and income information, and your bank account details. The application form takes around three minutes to complete. You don’t need to provide physical documents or proof of address upfront, though your lender may request additional verification as part of their approval process.

Can I get an easy loan if I’m on benefits?

Some lenders on our panel consider benefits as a valid source of income. Whether you’re approved depends on your overall affordability and the specific lender’s criteria. For more information, see our loans for people on benefits page.

What if I can’t keep up with repayments?

Contact your lender immediately if you’re struggling to make payments. They may be able to adjust your repayment schedule or offer temporary support. Ignoring missed payments can lead to additional charges and negative marks on your credit file. Free debt advice is available from MoneyHelper and Citizens Advice.