Instant Loans.

£50 to £5,000 paid out by 10:49pm

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*

Representative APR 49.9%.

Representative Example:

Borrowing: £1200 for 18 monthsTotal Repayable: £1628.28Total Interest: £428.28Interest Rate (Variable): 49.9%

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.

Warning: Scammers are using our brand to request fraudulent loan fees. We will never charge fees or ask for any payment in relation to a loan.

Instant loans for any purpose

Whether it’s an unexpected bill or an urgent home repair, we understand that people can suddenly find themselves in need of extra funds. Once considered something of a last resort, instant loans are now a very popular way of getting quick access to funds and are therefore now offered by some of the biggest direct lenders in the UK. As a result, there are now a huge variety of instant loans that promise to give you the money you need as quickly as possible. New Horizons is a loan introducer and works with a partner that strives to find the right instant cash loans for your specific requirements as fast as possible.

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

Instant loan questions:

Q1 – What is an instant loan?
Q2 – How fast can I get the money?
Q3 – How can I get a loan without a guarantor?
Q4 – Are there instant loans available for people with bad credit?
Q5 – Will applying for a loan damage my credit score?

What is an instant loan?

To help you get quick and easy access to the money you need, and reflecting how people now want to use such services, many direct lenders in the UK offer instant loans online. This means there is very little form-filling and your application can, therefore, be processed much quicker. As such, online instant loans can often be paid into your account the same day; often within hours or even minutes of you applying.

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

How fast can I get the money?

The short term loan industry continues to grow because of the increasing demand to borrow money quickly. This has led to the introduction of even quicker ways to get access to funds, such as instant decision loans. As such, some of the most reputable direct lenders in the UK now offer a range of loans designed to give you the cash you need as fast as possible. Taking advantage of mobile technology and the popularity of smartphones, as well as understanding that such loans are often required urgently, many instant payday loans offered by direct lenders can now get the money into your account within hours of applying.

Of course, many short term loans feature higher interest rates than other types of loan. To help find the best instant loans direct lender for you, our partner will quickly compile a list of lenders they believe are best-suited to what you need.

How can I get a loan without a guarantor?

At New Horizons, we work with a variety of lenders who offer loans to people with a range of circumstances. If you have a good credit rating, we can find you a great deal and if you have a poor credit score, we can assist you in finding a lender who may accept your application. If you do not have a guarantor, there are lenders who can still look to offer loans, even if you have bad credit.

Instant loan process

Apply Online

Secure & confidential 256 bit protection

Get the Best Rate

Find the best rate from a panel of lenders

Instant Approval

Every day we accept 1000's of applications

Get Cash in Minutes

Loans paid within 15 minutes

Flexible Repayment

100% no obligation quote

Ready for a quick loan?

Access £50 to £5,000 today

Are there instant loans available for people with bad credit?

Focusing on your current status, such as whether you work or not, rather than whether you may have missed a loan repayment in the past, many lenders now offer instant loans that have been specifically designed for people with bad credit.

Wanting to ensure all people have equal access to instant loans, our partner specialises in helping people with bad credit get quick, easy access when they need them. Understanding that such loans are often required in stressful, urgent circumstances, they will do everything they can to make the entire process as quick and stress-free as possible. As we are a loan introducer and not a direct lender, our partner will simply find the best instant loans and direct lenders for you from their panel. Wanting to provide you with the greatest choice and ensure you have peace-of-mind, all the lenders they feature are fully authorised and regulated by The Financial Conduct Authority.

Will applying for a loan damage my credit score?

When applying for a short term instant loan via, you can rest assured that our lender and broker partners will all use soft search technology. This means your credit score will not be impacted. Only is you choose to accept a loan offer will the lender complete a hard search.

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

Ready for a quick loan?

Access £50 to £5,000 today