Emergency Loans.

£50 to £5,000 paid out by 11:01pm *

Fast 3 to 36 month online loans.

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


What are emergency cash loans?

Emergency cash loans are simply a type of instant loan loan that gives you the money you need very quickly. Often small in amount and featuring a short repayment period, these short term loans are there to help people in unforeseen emergencies, such as the need for sudden car repairs. They are similar to other types of short term loans, for example, payday and instant cash loans, and therefore can often be easily tailored to your specific requirements. Because they are created for people who find themselves needing money quickly, many emergency loans direct lenders operating in the UK now offer these loans to people with bad credit.

If you need emergency money now, then New Horizons can help. Our lender’s whole application, acceptance, and transfer process is designed to get the funds into your bank account in the shortest possible time. You can apply online without needing to complete any paperwork or meet anyone.Emergency Loan

You will have the peace of mind that you could have the loan transferred to your bank account within minutes of your application, allowing you to focus your energy on dealing with the emergency, knowing that the money is there.

We understand that if you need an emergency loan, you’re probably dealing with a stressful situation. Our panel of lenders is perfect at helping people that need a quick fix for a problem. Their short-term emergency cash loans can provide the ideal solution to help you pay for an unexpected car repair, breakdown of household goods, or an unexpected vet or medical bill.

Even if you have been declined elsewhere, our panel of lenders may still be able to help you. We work with lenders who specialise in providing loans to customers who have a less than perfect credit score. So, if you have a CCJ or have had credit problems in the past, Greater Things could still be able to help you today.

Emergency loan questions

Q1 – Will I be approved for an emergency loan?
Q2 – I receive benefits, can I still apply for an urgent loan?
Q3 – Why do emergency loans have high APRs?
Q4 – Are there emergency loans with no credit check?
Q5 – How quickly can I receive a loan in an emergency?
Q6 – How long do I have to make all the repayments on the loan?
Q7 – What if I am struggling with debt?

Will I be approved for an emergency loan?

Looking past a person’s credit score and history, many direct lenders now prefer to concentrate more on whether a person has the means to repay the money they want to borrow in the time wanted. Because of the often urgent nature of these loans, our partner can help you quickly identify the best deals from their panel of lenders, as well as those most likely to approve your loan before you even apply. Taking advantage of easy-to-follow applications and modern mobile technology, not only can you often have the money you need within hours, but you can now do it from your smartphone.

Emergency Loan Approved

I receive benefits, can I still apply for an urgent loan?

Most lenders offering emergency short term loan will require that you are in employment. As part of your application lenders will assess your income and expenditure, so, if you can display you meet the required repayment criteria, your application may still be considered. Lenders may consider applications as long as the benefits are confirmed for the period of the loan, for example, Disability Living Allowance.

Why do emergency loans have high APRs?

Short term loans can appear expensive because of the high APR lenders quote on their adverts. However, these often aren’t as bad as they may initially seem. They are usually a reflection of the short period the lender has to turn a profit. Some lenders don’t charge interest over the term of the loan. Instead, they will charge a fixed fee. Whatever they charge, all reputable and regulated lenders will be upfront about the APR or charges associated with your emergency loan.

Are there emergency loans with no credit check?

You cannot get an emergency loan with no credit check. Credit checks are required by The Financial Conduct Authority and are designed to protect you from illegal lenders, high repayments and ultimately increased debt. However, looking past a person’s credit history and score, lenders now use more relevant data when assessing your application. Taking your current financial and employment status into account, rather than if you have missed repayments or had previous credit difficulties, many lenders now offer emergency loans specifically catering to people with bad credit. Understanding the urgent nature of such loans, as well as taking advantage of online banking, lenders now offer incredibly quick services. As such, many lenders now guarantee to pay the money you need directly into your bank account the same day; with many taking just hours to process or even less.

How quickly can I receive a loan in an emergency?

If you need access to money quickly, an emergency loan could be in your account on the same day you apply. Lenders will generally offer an instant decision. If accepted, the money could be sent within 15 minutes* in certain circumstances.

How long do I have to make all the repayments on the loan?

When you apply, you can select a repayment length that is suitable for your circumstances and the amount you’re borrowing. Our lenders offer a wide variety of choices, from 3 months to 36 months, which means you can tailor your loan, so it works for you. The longer-term loans are usually used by people borrowing higher amounts of money, while the smaller emergency loans are typically repaid over a shorter period.

What if I am struggling with debt?

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

moneyadviceservice.org.uk
stepchange.org
nationaldebtline.org