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

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 short term loans with no credit check and no-fees. However, there is one problem with this. A short term loan cannot be issued with no credit check. The law stipulates that all direct lenders carry out 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 telling you the truth.

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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. While 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check, many direct lenders now use more relevant, up-to-date information when considering your application rather than outdated indicators such as your previous credit score.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.

Do New Horizons charge any fees?

No, we do not. While 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 can be completely impartial; allowing you to 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.

There is no such thing as a no credit check loan but dont worry, our lenders will only perform a ‘soft search’. Apply today without damaging your credit profile.

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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. While we do of course find loans for applicants with good credit scores, we can also help to find 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 without delay.

By asking a series of questions, they can use your information to show the best lenders for your requirements quickly. It allows you to easily compare what direct lenders are offering the best short term loans; thereby enabling you to make an educated decision. However, that is not all. They are unique in that you are also shown which lenders are highly likely to approve your loan application, increasing your chances of being accepted; getting the money into your account quicker. This helps defend your credit score from being lowered 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.

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