Short Term Loans No Credit Check*

£50 to £5,000 paid out by 9:39pm

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.

Short term loans with no credit check – How do they work?

The short answer is they do not work. Because of concerns regarding credit scores and the growing demand for short term loans, many lenders claim to offer no credit check and no fees loans. However, there is one problem with this. There is no such thing as a short term loan with no credit check. The law requires all direct lenders to perform a credit check on all loan applications. Therefore, if a direct lender claims to offer short term loans with no credit check they are not being truthful with you.

Short term loans with no credit check quesitons?

Q1 – Will New Horizons credit check me?
Q2 – Do New Horizons charge any fees?
Q3 – How can I find the best short term direct lender for me?

Will New Horizons credit check me?

As an independent loan introducer, we do not offer loans nor perform credit checks. Instead, our partner will use your details to match you with the most suitable lenders for you, including those most likely to approve your loan. Whilst all reputable lenders will perform a credit check, many direct lenders now use more relevant, up-to-date information when considering your application rather than outdated indicators such as your previous credit score. Remember, always beware of companies offering short term loans with no credit check as it will in likelihood mean the direct lender is either not being truthful or is not authorised.

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

Do New Horizons charge any fees?

Absolutely not. Whilst some direct lender brokers charge upfront fees and others add extra fees to the actual amount you are lending, we will not charge you anything. That is, as a no-fee introducer, we do not charge you anything for our services. There are no hidden fees and we will always be completely transparent in everything we do for you. So then how do we make money? Well, we generate our income from the lenders themselves and other related parties.

They have created a service by which we can quickly match you up with the best short term loan and direct lender for you. As we are independent, we are not required to push some lenders over others. Therefore, we are able to be completely impartial; allowing you to quickly see and compare the best deals for you. They only deal with reputable lenders, that is why you will not see any short-term loans falsely claiming to offer no credit check loans in the UK.

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

How can I find the best short term direct lender for me?

We are an independent, loan introducer, that strives to help find the best loans and lenders for you. Whilst we do of course find great loans for people with good credit scores, we also seek to help find people short term loans for bad credit. Understanding the growing demand for short term loans in the UK that include no credit checks, we offer access to a unique service designed to get you the money you need as quickly as possible.

By asking a series of questions, they are able to use your information to quickly identify the best lenders for you. This allows you to easily compare what direct lenders are offering the best short term loans; thereby enabling you to make a more informed decision. However, that is not all. They are unique in that you are also shown which lenders are most likely to approve your application. This increases your chances of being approved, gets the money into your account quicker and helps protect your credit score from being reduced because your application was declined.

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

It's easy with CreditMatch

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*