Short Term Loans from Direct Lenders.

£50 to £5,000 paid out by 12:48am

Fast 3 to 36 month online loans.

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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:

Borrowing: £1200 for 18 monthsTotal Repayable: £1628.28Total Interest: £428.28Interest Rate (Variable): 49.9%

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
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.

Warning: Scammers are using our brand to request fraudulent loan fees. We will never charge fees or ask for any payment in relation to a loan.

Short term loans online – How do they work?

Many direct lenders offer short-term loans in the UK. Designed to provide you with a small amount of cash as fast as possible, these loans are very useful when you suddenly find yourself needing extra funds. Ideal for emergencies. such as car or home repairs, short-term loans allow you to quickly borrow the money you need. Because such loans are often needed suddenly and quickly, many direct lenders now offer short-term loans online. These loans enable you to use your smartphone, tablet or laptop to apply for a loan almost anywhere and anytime.

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
Representative APR
49.9% (variable)
No obligation quote
Can I apply with bad credit?
Instant decision
Can I repay in instalments
Flexible repayment
Do we credit check?*
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*

Instant online loans. are similar to traditional methods of getting loans in that you are asked for the same information. Likewise, your application will also involve a credit check to gauge your suitability. However, unlike traditional applications, everything is done online. This means there is very little form filling and your application will be processed much quicker. This means you can often get the money you need the same day; often within minutes of you applying.

A short-term loan is what it says, with the money you borrow usually required to be repaid quickly. This repayment period is often around three months. However, because these loans are specifically designed to be repaid over a much shorter period of time than other loans, they often feature a higher APR. As such, it is recommended that you only use a short-term loan to fix short-term financial problems and not to solve a longer-term financial issue.
Short term loans also do not require a guarantor

Q1 – Can I get a short-term loan if I have bad credit?
Q2 – I have bad credit and need a loan, do I have to have a guarantor?
Q3 – Short term loans- How much can I get and when do I have to repay?
Q4 – Why do you ask for my bank details?
Q5 – Who offer the best short-term loans for me?
Q6 – Are short-term loans regulated?
Q7 – What short-term loans offer easy repayment terms?
Q8 – What is GDPR and how does it affect my data?
Q9 – What if I can’t make a short term loan repayment?

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

Can I get a short-term loan if I have bad credit?

Yes. Many of the lenders that we work with offer competitive, short-term loans for people with bad credit. This is because direct lenders. have realised that the old ways of assessing an application, such as the use of credit scores, are outdated. As such, many direct lenders in the UK. now offer loans for people with poor credit. Because of this, you now have a greater choice than ever before; allowing you to compare what is being offered and therefore get the best short-term loan for you.

Thanks to the increased competition among lenders, people with bad credit can now get more favourable repayment terms. By ensuring all of the direct lenders worked with are fully authorised and regulated by The Financial Conduct Authority. and can be guaranteed that they will be completely honest with you regarding every aspect of your loan and that they follow all ethical lending practices.

It's easy with CreditMatch

Apply Online

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Find the best rate from a panel of lenders

Instant Approval

Every day we accept 1000's of applications

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Loans paid within 15 minutes

Flexible Repayment

100% no obligation quote

I have bad credit and need a loan, do I have to have a guarantor?

Most of the direct lenders that we work with provide bad credit short-term loans to people who do not have a guarantor. By completing an application online, New Horizons will search the market to find you the best bad credit short-term loans available for your circumstances.

Short term loans- How much can I get and when do I have to repay?

Short-term loans have been specifically created to help people in emergency situations. Understanding that a person can suddenly find themselves in need of cash, direct lenders have created a variety of short-term loans. These loans are designed to help you with a short-term money problem and are therefore often required to be repaid over a short period of time.

Short-term loans are similar to other types of loans, such as payday loans, in regards to the amount of money you can borrow and the time you have to repay it. In general, most direct lenders in the UK offer short-term loans for amounts of up to £5,000. The repayment period for such loans is usually around three months. Of course, as with other types of short-term loans, many direct lenders will offer a certain amount of flexibility regarding the repayment period, and so it is always best to check with a lender regarding any special requirements you may have.

If used responsibly and repaid within the designated time, these short-term loans can be a useful and often not so expensive way of solving a short-term money problem. However, similar to other loans, problems can arise if you fail to make repayments in the time agreed. This problem can be heightened because of the high-interest rates short-term loans often feature. As such, we always recommend that you only borrow what you need and when you are certain that you can repay the money back in the time period agreed.

Why do you ask for my bank details?

All of the direct lenders on our panel, require a customer’s bank details. This is to enable them to do an identity check. This means that they do not require you to send any information to them, such as passport or driving licence, proving who you are, as they have been able to verify this online. Also, and just as importantly, this will be where they send your loan to and collect repayments from if you take out a loan. New Horizons do not store your bank details. These are automatically deleted from our database.

Who offer the best short-term loans for me?

This would seem a straightforward question to answer. Yet previously, because of the dreaded credit score and the often unrealistic criteria of lenders, many people simply looked for a direct lender that would say yes rather than one which offered the best short-term loans for them. Thankfully, the situation is changing. Understanding that people and their requirements are often unique, many UK lenders now have a diverse selection of short-term loans designed for people with both good and bad credit histories. Focusing on a person’s current situation rather than their credit history, many direct lenders are now offering short-term instalment loansto people who in the past would have been declined such loans. Because of the increased competition in the market, there is now much more choice than ever before regarding which lender is best for you.

To ensure you get the very best deal, New Horizons have created a panel of lenders, all offering short-term loans and short-term loans for bad credit. By completing one quick and simple application, we search the market to find you the best deal. Our lenders all use soft search technology, meaning we can find you the best short-term loan, without impacting your credit file. If you need a quick loan, you are in the right place. Most of our lender partners also do not require a guarantor

Are short-term loans regulated?

Yes, short-term loans are very heavily regulated. All lenders have to be authorised and regulated by The Financial Conduct Authority and as such have to adhere to certain practices around how they advertise, how they conduct themselves, the price of the loans they offer and their collection practices. The FCA have made it much more difficult to obtain a consumer credit licence and the oversight they have and the policies and procedures they have made the lenders and brokers put into place have made the Short-term loan sector much more controlled.

What short-term loans offer easy repayment terms?

The simple answer to this is that most lenders today offer easy repayment terms. Furthermore, because all lenders are authorised and regulated by The Financial Conduct Authority, they must provide full transparency across every aspect of their loans, including repayment terms. As a loan introducer, New Horizons is not tied to any one lender. Therefore, we ensure we find the best short-term loans for your specific requirements.

The majority of lenders we deal with offer short-term loans with easy to follow repayment terms. These repayment terms are often simple; repay the money after approximately one month. However, lenders understand that this is not always possible, and there are therefore now a large variety of short-term loan repayment plans available which differ in regards to how long you have to repay. Whether you are looking for 1-month, 2-month or 3-month repayment period or even longer, you will be shown which lenders are best suited to your needs. To make repayments even easier, most loans involve repayments being taken out of your account by direct debit on a set date.

What is GDPR and how does it affect my data?

The General Data Protection Regulation is a new, European-wide law that replaces the Data Protection Act 1998 in the UK. It places greater obligations on how organisations handle personal data. New Horizons is fully GDPR compliant.
For further information on GDPR visit the Information Commissioner’s Office

What if I can’t make a short term loan repayment?

As with all loans, if you repay your short-term loan back to the direct lender when agreed, there are no hidden charges and everything is fairly simple. Problems only arise when you have difficulty repaying a loan. As a result, you must be very careful when agreeing to a short-term loan. Firstly, you must ensure that you only borrow what you need. These loans often have a high APR, therefore the more you borrow the more you will have to repay. Secondly, short-term loans often require the money you have borrowed to be paid back very quickly. As such, you must ensure that you only borrow what you know you can pay back in the time required. This aspect of a loan can often be difficult to calculate and can lead to problems where people have overlooked other expenses and suddenly find themselves unable to make a repayment.

Most lenders these days understand that unexpected problems can arise when it comes to money, particularly in regards to the sudden need for extra cash these loans are designed for. Therefore, if you take out a loan and later realise you may have difficulty making the repayment in the set time, it is recommended you talk to your lender immediately. There are strict regulations covering such situations which are designed to help and protect you if this should happen. Furthermore, many licensed lenders are often sympathetic to such problems and will do everything they can to help find a solution.

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

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*