Text Loans.

£50 to £5,000 paid out by 3:58am

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: £1,200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9% pa (variable). 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 moneyadviceservice.org.uk.
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.

What is a text loan and how fast 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 the money into your account as quickly as 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.

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
Approximate monthly cost of borrowing £100
£13
No obligation quote
Can I apply with bad credit?
Yes
Instant decision
Can I repay in instalments
Yes
Flexible repayment
Do we credit check?*
No
No credit footprint

Ready for a quick loan?

Access £50 to £5,000 today

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*

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.

Text 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

Featuring an application process that is simple and quick to follow, text loans are now offered by some of the biggest 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 is no such thing as a 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.

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

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 loans when they need them, our partners specialise 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, our role is to simply find the best deals and lenders for you. Wanting to provide you with the greatest choice and ensure you have 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.

moneyadviceservice.org.uk
stepchange.org
nationaldebtline.org

Ready for a quick loan?

Access £50 to £5,000 today

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*