Small Loans.

£50 to £2500 paid out by 4:08pm

Fast 3 to 18 month loans.

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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 small loans?

Small loans are simply loans for amounts of money smaller than people would traditionally borrow from a direct lender in the UK. Often no more than a few hundred pounds in total, small personal loans have been designed to quickly provide people with a little help when they suddenly find themselves needing it.

Small loans process

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As with all loans, these types of little loans can be customized to your personal requirements; giving you the freedom to choose how much you borrow and what type of repayment plan you need. Whilst most small loans often feature a fast repayment period, such as those offered by small payday loans, there are always exceptions. Therefore, you should always look around to see which lender offers the best terms for you.

Are small loans expensive?

The answer is both yes and no. Whilst we understand that some of the APRs advertised by lenders appear very high, they are a little misleading in that small loans are not supposed to be borrowed over a long period of time. Because such loans are usually repaid quite quickly, most lenders charge a one-off fee rather than actual interest on the loan. This means that the amount you repay is often much lower than first thought.

How we compare

Short term loan service
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
Percentage of people offered financial help
92%
Instant offer
Can I repay in installments
Yes
Easy repayment
Do we credit check?*
No
No credit footprint

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Furthermore, because the lending charge is often in the form of a fee, you will have full transparency in regards to how much you must repay and of course when. 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 repay back in the time required.

Can I get a small loan if I have bad credit?

Yes you can. Lenders use your credit score to decide whether to lend you money or not. Traditionally, a good score meant that your application was likely to be approved, whilst a bad score often meant that you would be unsuccessful. However, because lenders often used different criteria to other lenders when making their decision, a person could be turned down for a loan by one lender and approved by another. Taking advantage of the worries of people with bad credit, some lenders claim to offer small loans without credit checks. These of course sound very appealing. However, there is a problem; such loans do not exist. This is because the FCA requires UK lenders to perform compulsory credit checks on all applications.

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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This does not mean that people with bad credit scores cannot get loans. With direct lenders now looking at criteria such as your employment status when assessing your application, many now offer small loans for people with bad credit. To help you get the right small loan, New Horizons will quickly compile a list of the best deals for your specific needs; allowing you to make a more informed decision and significantly reducing the time it takes to get the money into your account.

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