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

Can I get a same day loan without a credit check?

Some lenders will say you can apply for a same day loan with no credit check. However, this is misleading at best. Responsible lenders have to perform specific assessments to decide on your application. Yo can check eligibility without a ‘hard’ credit check. Meaning we will only do a ‘soft’ credit check to see if you are eligible for a same day loan. No unnecessary footprint left on your credit score!

Same day loans paid today

You can apply for and get an instant decision with only a soft credit check, which leaves no trace on your credit score and will not be visible to any other lenders looking at your credit file. However, all lenders are registered with the FCA (Financial Conduct Authority).

The Uk’s finical services sector is governed by the FCA. They are responsible for safeguarding clients, maintaining the industry’s stability, and encouraging healthy trade among providers of financial services. Due to this, it is a mandatory requirement that all lenders perform a full credit check before releasing any funds. The full credit check will only ever be carried out if you are eligible for the loan.

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Why do I have to be credit checked to get a loan?

A soft search allows us to check your eligibility against our pool of more than 50 lenders without harming your credit score. While it doesn’t provide the same level of information as a full credit check, it gives us enough to know which lenders are the best fit for you, and which ones will accept you.

Credit Check

The main advantage of a soft credit search is that it doesn’t show up on your credit report. Previously, if you applied for a payday loan in the UK and got denied, it would show up on your credit report, which could potentially put off other lenders, making them less likely to accept your application. It also compounded the problem, as now you’d have two failed applications on your credit record, which will reduce the likelihood of another lender approving you even lower. 

To check for same day loan eligibility, we will only carry out a soft credit check.

Lenders use soft search technology so you can apply for a same day loan without damaging your credit score.

New Horizons

Which lender is best for a same day loan if I have poor credit?

Many of our direct lenders specialise in same day bad credit loans and same day loans with no initial hard credit check, but the best one for you will depend on your current situation. That’s why New Horizons compare them all instantly and show you the best deal for you. The payday loan market has grown in popularity in recent years, which is good news for consumers. More lenders create increased competition for your business, which can lead to lower APR rates and special offers to attract new customers.


Why choose a same day loan with New Horizons?

We are one of the top lending websites in the Uk. We make every effort to make the application and loan offer processes quick and simple and our network of lenders are all FCA approved. Other benefit include:

  • We never charge fees
  • Loans are easily applied for online
  • You can borrow up to £5,000
  • Repay your loan from 3 to 36 months
  • The best rate is ensured
  • You can apply for a loan from our lenders with bad credit
  • Our lenders only ever do a ‘soft-search’
  • A loan from one of our lenders can be made available in minutes


Same day loans without fees

When looking for a same day loan with no hard credit check, the last thing you need are fees on top of that. New Horizons does not charge any fees for using our service.

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

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Apply now and the money could be in your bank today*. It only takes a few minutes to check your eligibility with a soft credit check.

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