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What can I do if I need cash now?

There are times when life throws up something unexpected and you suddenly find yourself needing a small amount of extra cash. Designed to specifically help you get almost instant access to cash when you really need it, many direct lenders now offer a range of instant loans. Reflecting the many different reasons for such short term loan and the unique circumstances of each applicant, instant cash loans come in a wide variety of forms.

Money questions answered below

Q1 – Can New Horizons help get cash now?
Q2 – How do I apply for a loan if I need money now?
Q3 – Are money now loans expensive?
Q4 – How much do payday loans cost?
Q5 – I need to borrow money now. How much can I borrow?

Can New Horizons help get cash now?

To help you find the best loan and get the money you need now, New Horizons works to identify the best lenders for you based on your requirements. Allowing you to quickly compare the best deals and therefore get the money you need much quicker than if you were forced to search for yourself.

How do I apply for a loan if I need money now?

Understanding that such emergency loans are required quickly and in often stressful situations, we have made the process of finding the right lender for you incredibly simple. Using your information, we will promptly find lenders who offer the best deals as well as those most likely to approve your application. If you are approved, you could get the money into your bank within 15 minutes*

All the lenders we deal with are authorised and regulated by The Financial Conduct Authority; ensuring they will be completely transparent with you throughout the journey. To help those who need cash now, many lenders have made the entire application process simple and convenient. You can now apply for a loan in a variety of ways, including online and even on your smartphone. With many lenders now looking past markers such as your previous credit history, you should not worry about your bad credit score or previous loans where you have been declined. As long as you are honest in your answers and give us the information we request, we will do everything we can to match you with the right lender for you.

Are money now loans expensive?

With numbers sometimes running into the thousands, it is easy to ignore these types of loans because you consider them too expensive. While we completely agree that the APRs of these loans can be very high in comparison to other longer-term loans, these figures can be confusing in that short term loans aren’t designed for use over longer periods.

How much do payday loans cost?

Money now loans and the like are designed to be repaid quickly; often after just a few months. Lenders generally charge a fixed amount for every £100 you borrow. These charges are sometimes in the form of a fee. It means you can easily see how much is due to be paid and when. Of course, as with all loans, you must be careful. High APRs of short term loans can be an issue if you fail to pay back the money you borrow when it is due. It is therefore vital that you always borrow what you know you can quickly repay. The FCA has introduced a rate cap, which means lenders can only charge a maximum of 0.8% interest per day.

I need to borrow money now. How much can I borrow?

As a broker New Horizons works with a wider panel of lenders who are authorised and regulated by The Financial Conduct Authority. You can apply to borrow money today between £50 and £5,000 over 3 to 36 months. It gives you great flexibility and the longer repayment periods allow you to find a loan that fits your budget. The lenders that we work with specialise in providing quality loans to those who might have experienced credit problems in the past.

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
nationaldebt