Emergency Loans.

£50 to £2500 paid out by 3:01pm

Fast 3 to 18 month online loans.

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We don't credit check


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Representative APR 278%.

Representative Example: £500 borrowed for 90 days. Total amount repayable £672.60 in 3 monthly instalments of £224.20. Total Interest £172.60. Interest Rate 140.0% (variable). †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.

What are emergency cash loans?

Emergency cash loans are simply a type of loan that gives you the money you need very quickly. Often small in amount and featuring a short repayment period, these loans are designed 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 designed to help people who suddenly find themselves needing money quickly, many emergency loans direct lenders in the UK now offer these loans to people with bad credit.

Emergency loans process

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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, New Horizons can help you quickly identify the best deals for you, as well as those most likely to say yes 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.

How we compare

Why use us?
How much can new customers borrow?
Up to £2500
No fees, ever!
What are the repayment terms?
3 to 18 Months
No paperwork
Approximate monthly cost of borrowing £100
£13
No obligation quote
Percentage of people offered financial help
92%
Instant offer
Can I repay in installments
Yes
Flexible repayment
Do we credit check?*
No
No credit footprint

Why do emergency loans have high APRs?

There is no denying that short-term loans such as emergency loans often feature high percentage rates. With numbers sometimes running into the thousands, it is easy to write these loans off as being too expensive. Whilst we completely agree that these APRs are high, they are a little misleading in that such short-term loans are not supposed to be borrowed over a long period. Emergency loans and the like are designed to be repaid quickly; often after just one-month.

With most lenders charging a one-off fee rather than interest, you can generally expect to pay back around £25 for every £100 you borrow. Because the lender charge is often in the form of a fee, you will have full transparency in regards to how much you must repay and when. Of course, as with all loans, you must be careful when taking out an emergency loan. The high APRs of such loans can become an issue if you fail to repay the money you borrow when you are supposed to. Therefore, it is vital that you always borrow only what you know you can quickly repay back.

No Credit Check Loan

Find your best rate loan without needing a credit check.


Our ‘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.*

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Are there emergency loans with no credit check?

You cannot get an emergency loan with no credit check. Credit checks are required by law 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, many lenders now use more relevant data when assessing your application. Focusing on your current financial and employment status, rather than if you have missed a repayment in the past, many lenders now offer emergency loans specifically catering for 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.

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