**Warning:** Late repayment can cause you serious money problems. For help moneyhelper.org.uk | **Representative APR: 49.9%**
**Warning:** Late repayment can cause you serious money problems. For help moneyhelper.org.uk

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 moneyhelper.org.uk.

Same day loans online and how they work

The concept of same day loans online fits perfectly with payday loans, as they are primarily used by people who need access to quick cash after an unforeseen expense.

At New Horizons, we understand applicants might be in an awkward situation or under pressure because of an unexpected expense. That’s why we endeavour to make our service as user-friendly and transparent as possible. We understand that even those who are financially savvy can be caught out by unexpected expenses or a sudden emergency.

When you find yourself in a situation where you need access to some extra funds, New Horizons can help.

Same day loans paid today

A big problem with a traditional loan, or searching for the same day loan manually, can be the amount of time required. If you’re desperate for access to some additional funds because of an emergency, the last thing you want to do is spend hours comparing loans online.

Different Types of Same Day Loans

New Horizons does the leg work for you, finding you the best deal for your situation.

New Horizons

The growing popularity of short term loans means there are now more on offer from an increasing number of reputable lenders, which is great for consumers. The competition helps to drive interest rates down as lenders try to position themselves as the best option for you. However, we always offer a word of caution to those looking for same-day loans.

Same day loans are often used as a quick fix and can be perfect for covering an unexpected expense, such as a car breakdown or medical bill, but because you’re in a rush, it can be easy to agree to anything. Make sure you take the time to understand the offer. Reputable lenders always try to explain their terms most straightforwardly, so it doesn’t take long to confirm you’re aware of what you agree.

What you need to know
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 lenders credit check?
We only soft-search

It's quick & easy

Apply for a loan

Can I get a loan that pays out on the same day?

The process of applying for the same day loan is more accessible than most people think. New Horizons also make sure your credit is with the best provider for you, regardless of your history or situation. Once you have completed the application and accepted a loan, the money usually is in your account on the same day. The terms of the loan can vary depending on individual circumstances. Some people taking out same day loans online will require a guarantor, while others will not.

Some loans are completed quickly with the money released in minutes. More complex situations might take a couple of hours.

As a loan introducer, New Horizons is in a fantastic position to compare all the loans on offer and bring you the one that best suits your requirements and circumstances.

Are there different types of same day loans?

All of the same day, payday loans are similar. The variations based on the amount and term of the same day loan for which you are applying. New Horizons work tirelessly to ensure all applicants pair with the best lender for their unique circumstances.

However, new payday loans are a world apart from the loans that garnered such a negative image years ago. Even major lenders now see payday loans as a big part of their business activity.

The competition between lenders is just one of the reasons there is so much variety for consumers. Some offer loans without a guarantor. Some will be great for people with good credit scores. Others will be better suited to those with a bad credit rating.

Can I get a same day loan at the weekend?

Same day loans are available on the weekends. You can apply as usual for your same day payday loans 365 days a year. Some lenders can pay out a loan over the weekend; however, others may pay out the loan on the next working day.

Weekend Loan

What different types of same day loans are there?

Unlike in the past, when same day cash loans had a rather negative image and reputation, many lenders now see them as a natural and important part of their business. Due to increased competition amongst lenders and the greater need for such loans, many direct lenders now offer a wide range of same-day loans, including those for people with bad credit and ones that do not have a guarantor.

Can I get a loan today with bad credit?

Yes. When you search for a loan with New Horizons, we understand there are situations where a customer might not have an excellent credit rating. It can be due to a simple mistake or mismanaged finances. While our lender partners offer finance to those with good credit scores, we also excel at finding deals for customers with a less than excellent credit rating.

We believe you shouldn’t be punished for a prolonged period because of a mistake. Our high approval rating shows how successful we are at finding the right deal for people, no matter what their situation is.

New Horizons

Applying for a loan with New Horizons will not harm your credit rating. Initially, only a soft credit search is performed, which doesn’t show up on your credit report and will not impact your chances of obtaining credit in the future. Once accepted a reputable lender will perform a full credit check. The FCA requires this, so be wary of any lender that offer no credit check loans, as they are either not regulated or lying.

Many lenders prefer to focus on your current situation rather than your credit history, meaning we can help people who might have struggled to be approved in the past.

Find your best rate loan without needing an initial credit check.

‘Soft Credit Match’ our broker partner’s technology matches your profile with our industry-leading panel of Financial Conduct Authority (FCA) approved direct lenders without leaving any mark on your credit record.

With no obligation & no cost – it’s the best way to find a loan.

Get Your CreditMatch

How do I apply for a same day loan?

Same day loans are available online. We’re always looking for ways to make our service quicker and easier for our customers. Our user-friendly online application will help you to get your hands on the emergency funds you need as quickly as possible. Once approved, the funds can be in your account within fifteen minutes*.

Apply for a same day loan today and get an instant decision on your application.

New Horizons

We acknowledge that same day loans are not for use as a long-term financial solution. Customers are looking for the best deal from a lender that can help them out of a difficult situation, so we always try to design our processes with the potential urgency of our customers in mind.

How much can I borrow today?

At New Horizons, you can apply for same day loans online from £50 to £5,000. The length of time you select to repay your same day loan can vary from 3 to 36 months. We have a high acceptance rate, so it’s worth applying even if you think your credit isn’t the best.

We understand that everyone can make a mistake, or a one-off incident can impact your credit rating for a long time. We don’t believe you should be punished for this. That’s why at New Horizons, our lenders give the majority of people access to credit, regardless of their credit rating or history.

The significant disparity between customers situations leads to different loans being better suited to different people. We will always offer you the best option with the lowest rate of APR for your circumstances.

It's quick & easy

Apply for a loan

Is a same day loan the right option for me?

As same day loan is often required with little notice, we do offer a word of caution. Despite being in a rush, you must take the time to read everything you can about the loan so that you fully understand the agreement. All quotes are no-obligation, and all information will be presented clearly to you, while also ensuring all lenders explain their terms as efficiently as possible.

Here at New Horizons, our partner strives to make the application process quick and easy. Using the information you provide us, they will quickly compile a list of reputable, authorised lenders who we feel suit your requirements, then ensure that they find you the best, most suitable loan for you. Be wary of any company offering same day loans, no credit check or guaranteed same day loans.

Will I need a guarantor?

Most loans will not require a guarantor. However, if your circumstances warrant it, a lender may ask for a guarantor before releasing the funds. A guarantor can be anybody you’re close with that trusts you. The majority of people opt for a family member or a close friend.

You can apply for a loan as usual, by merely filling out personal details. If a lender requires a guarantor, they will let you know.

Can I get debt help free of charge?

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


Same Day Loans - Check Eligibility

If you need a loan for any purpose then you can check your eligibility quickly and easily. It takes just a few minutes to see if you could be approved.

Check Eligibility

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