Representative 49% APR
Representative Example: Borrowing: £1200 for 18 months, Total Repayable: £1628.28, Total Interest: £428.28, Interest Rate (Variable): 49.9%. Rates between 9.3% APR and maximum 1721% APR. 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. Loan repayment terms are 3-36 month loans.

Warning: Late repayment can cause you serious money problems. For help, go to

What is a text loan and how quickly can I get one?

Understanding that people sometimes find themselves in urgent need of cash, many direct lenders now offer loans that are designed to get money into your bank as quickly as is possible. Perhaps one of the most convenient and quickest types of short term loan currently available is the text loan. As its name suggests, these loans are carried out entirely via text message.

No Guarantor Loan

Taking advantage of mobile technology and the popularity of smartphones, many direct lenders now allow you to apply for a small loan via text on your phone. With many lenders promising a decision within 30 minutes, those who are approved often get the cash they need within 60 minutes or less. As such, you can now get instant access to funds wherever you are and without the need to speak to a person.

Featuring an application process that is simple and quick to follow, text loans are now offered by the largest direct lenders. As with all loans, you should, of course, be cautious as to what is best for you. While some site lenders claim to offer no credit checks, the reality is that The Financial Conduct Authority requires all direct lenders to perform mandatory credit checks. This means there aren’t such things as no credit check loans.

Can I get a text loan with bad credit?

Many lenders now offer a variety of loans specifically designed for people suffering from a bad credit history. As such, lenders are now offering a variety of text loans and text loan alternatives. Focusing on your current financial and employment status rather than whether you may have missed a loan repayment in the past, many lenders now offer loans that have been specifically designed for people with bad credit.

Taking advantage of mobile technology and the popularity of smartphones, many direct lenders now allow you to apply for a small loan via text on your phone.

New Horizons

As a loan introducer, our role at New Horizons is to enable our partner to look to match you with the best loan for your specific requirements. Wanting to help everyone get a loan when they need them, our partners are experts in assisting those with bad credit get access to same day loans 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 easy as possible.

The panel of lenders only includes those that pass strict criteria. This helps to eliminate lenders who do not follow the law, such as those offering text loans with no credit checks. As we are a loan introducer and not a direct lender, what we do is find the best deals and lenders for your needs. We want to provide you with the best choice and ensure you have complete peace-of-mind. All the lenders featured are fully authorised and regulated by The Financial Conduct Authority.

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

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