Instant Loans.

£50 to £5,000 paid out by 1:01am *

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


Instant loans for any purpose

Most people applying for a short term loan loan needs instant access to the money. The nature of payday loans makes them ideal when you need quick access to some extra cash because of an unexpected bill or family emergency. Lengthy phone calls and application forms can add to the stress.

Among the most common reasons people need an instant loan from a direct lenders are, an unplanned house repair, such as a boiler breakdown, or a car repair or vet or medical bill. Whatever the reason, whatever your situation, New Horizons can help you access the loan you need quickly.

Instant loan questions answered

Q1 – Do lenders offer an instant decision loan?
Q2 – Can I get the money paid into my bank account today?
Q3 – Are there any fees on instant loans?
Q4 – Can I get an instant loan if I have a low credit score?
Q5 – Is applying for an instant loan simple?
Q6 – What should you do if you’re struggling with debt?

Do lenders offer an instant decision loan?

Lenders will perform a soft credit check so we can compare your situation to the lending criteria of over 50 companies. We then provide you with an instant decision about whether you’re eligible for an instant loan from a direct lender. If you’re eligible, we will show you the best deal available for your circumstances.

Instant Loans

Can I get the money paid into my bank account today?

When you use our service, the money is typically paid into your bank account within 15 minutes*. Most applicants receive their funds in less time, but we quote a time of 15 minutes* to be on the safe side. It is because some banks are slower than others at processing the transfer to your account.

The whole application process can be completed online using your computer, tablet or smartphone. We have eliminated the need for any paperwork or meetings, creating a streamlined and straightforward application process.

Are there any fees on instant loans?

New Horizons does not charge any fees for using our service. Whether the direct lenders charges you any fees on your instant loan will depend on the terms of the agreement. For example, some lenders will not charge interest on smaller short term loans. They might instead charge a fixed amount. All our lenders are regulated by the FCA (Financial Conduct Authority) and abide by the regulations and ethical codes laid out by them. They will always be transparent about any charges or interest associated with your instant loan.

Can I get an instant loan if I have a low credit score?

Yes. New Horizons specialises in providing access to loans for people with a bad credit history. We believe you shouldn’t get punished for previous borrowing mistakes. We are interested more in your current situation than your past. Our panel of direct lenders includes many that specialise in lending to those with poor credit, so don’t be put off because you think you’ll get declined. We process around 5000 loans every day and approve at least 92% of them, so there are very few people we can’t help.

Is applying for an instant loan simple?

Yes. Both us and our panel of direct lenders have worked hard to simplify, streamline, and speed up the application process for an instant loan. We embrace technology to allow you to complete everything online. There is no additional paperwork or appointments. The whole process is quick, and most applicants of payday loans have the money in their bank accounts within 15 minutes*.

What should you do if you’re 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