Instalment Loans for Bad Credit.

£50 to £5,000 paid out by 9:18pm

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:

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.

What are instalment loans?

An instalment loan is simply a type of loan in which you repay the money you borrow over a set number of repayments. These repayments are agreed upon before the loan is taken out and can be paid both weekly and monthly depending on the type of instalment loans you are looking for. These loans have traditionally been for larger amounts of money, such as mortgages or car loans. However, they are now becoming increasingly popular with people who need Short term loans quickly yet require lower and longer monthly repayments than those offered by traditional weekly payday loans. As such, many direct lenders now offer instalment loans for small amounts and which can be repaid over periods longer than the traditional one-month.

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*

What are the benefits of instalment loans?

In the past, if you required money quickly for an unexpected problem, the only options available were payday type loans which required you to repay the money you borrowed quickly; often the following month. Whilst this is ok for small loans, the short repayment period can sometimes be unrealistic. One benefit of an instalment loan is that it eliminates the pressure of having to repay all the money straight away.

Instalment loan repayments can be spread out over a number of months; making it much more manageable. By giving you more time to repay the money, these loans also reduce the chances of you missing the repayment deadline; thereby helping you to avoid any late charges. A further benefit is that lenders report your repayment history to a credit reference agency. This is done for your benefit as it helps people who make their repayments in the time required to improve their credit ratings.

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 an instalment loan with bad credit?

The short answer is yes. Many direct lenders are now offering a range of instalment loans for people who perhaps would have struggled in the past because of perceived bad credit. Understanding that traditional credit scores do not offer a true reflection of a person’s ability to repay a loan, many direct UK lenders are now focusing on what they see as more relevant details when assessing your application, such as whether you are registered to vote and whether you have any existing loans already.

Many direct lenders now cater for people with bad credit by providing instalment loans specifically designed to quickly give you the cash you need and the time to pay it back. New Horizons believes a bad credit score should not prevent someone from getting a loan when they suddenly and unexpectedly find themselves needing one. Therefore, our partner will use your information to quickly compile a list of the best instalment loans for your needs, regardless of any bad credit. All lenders are authorised and regulated by The Financial Conduct Authority and will be completely transparent with you regarding every aspect of the loan. Therefore, you can be safe in the knowledge that there will be no hidden charges or additional fees

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

Installment Loan Process