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£100 - £1,000£1k - £25k

Borrow £100 to £25,000*

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  • Bad Credit Accepted
  • Fast Payout
  • No Fees
  • Secure Application

Short Term Loans

£100 – £1,000


N Online decision
N Responsible lenders
N Rates from 278% to 1576% APR*
N 3-12 month repayment

Personal Loans

£1,000 – £25,000


N Whole of Market panel
N Trusted panel of lenders
N Rates from 5.7% to 278% APR*
N 3-36 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 238.1% pa (variable). Representative 481.6% APR.

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Bad Credit Loans – With No Guarantor

Key Features

  • Not long ago, having bad credit and no loan guarantor would mean you couldn’t borrow from most lenders.
  • Higher approval rates, and more relaxed qualification criteria mean that many can now lend.
  • Comparing UK direct lenders means you can find a loan solution online.

You may need bad credit loans without a guarantor to get you out of a tough financial situation, and it could very well be your last feasible option. It can be challenging to pay off bills or get access to much-needed funds when no direct lender wants to know you, and it could potentially leave you in dire straits if you aren’t successful. Well, if you were to get bad credit loans no guarantor, you don’t need to worry about someone having to vouch for you in order to obtain that much-needed money you seek.


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What Are Bad Credit Loans Without a Guarantor?

These are a type of unsecured loan that you can obtain without being subject to a credit check or having someone who will guarantee the loan will be repaid these are all done online. You will, of course, need to prove your identity and have the necessary and relevant documentation on hand, but you shouldn’t be discriminated against because of your bad credit. A guarantor is someone who backs you up financially if for some reason you can’t pay back your loan. This is risky because even if the person is a close relative, the guarantor will become liable for your debt and legally responsible for arranging payments out of their pocket. Not everyone is lucky enough to have someone who is able or willing to do this, so that’s why this type of loan exists.


Who Are These Loans Good For?

A bad credit loan no guarantor can come in handy for those who need to pay off debts, get fast access to cash, refinance another loan, or make a necessary and much-needed purchase loans without a guarantor can often meet your needs. They are particularly good for people who have a bad credit score and don’t have anyone who can be a guarantor for them. No collateral is required, and the process for obtaining this type of loan can be much faster than going through a bank. Additionally if someone has bad credit then hey may be refused from other financing options leaving little in the way of alternatives. Bad Credit doesn’t have to be the end of liberties, you can get the future you deserve with the right process and availability that we offer.


How Can No Guarantor Loan Help Me?

Let’s say for example that you don’t get paid for another week, but you have just been hit with a final notice to pay an old bill that you forgot about. Even if the banks would accept you, what are the chances of getting your money in time? You could ask friends or family, but even that isn’t the last option for many people, and it’s not a good feeling to be indebted to them. So, due to your bad credit score, you can’t really follow the standard methods for getting loans.

This is where a bad credit loan no guarantor can save you. You have no one in this world who can help you and all the financial institutions don’t want anything to do with you. Luckily, you have a glimmer of hope left with an unbiased, understanding, and relatable lender who specialises in bad credit loans with no guarantor. These people don’t need to discriminate against you because of a bad credit score. They know that some people don’t even get a bad credit score because of their own actions and have seen cases where the ex-wife has maxed out the credit card before/after leaving him.You are welcomed with open arms regardless of your history, and all you need to do is present appropriate identification and prove that you can pay back the loan. So long as you meet these requirements, a lender has no reason to say no to you, and you can receive your money within a short turnaround time. All it takes is filing out our online form and you will know within 60 seconds if your loan is approved.


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Why Are Bad Credit Loans With No Guarantor Good?

There aren’t many types of loans on this Earth that don’t discriminate against you because of your credit score. Lenders who issue these types of loans know how easy it can be to damage a credit score and that it’s not always indicative of someone’s ability to pay back a loan. You could get yourself out of a very stressful situation and pay off a debt or buy something that you desperately needed because a lender could see that you were of good character. You would never get this type of service at a bank, and some would laugh at you for even trying. So, don’t worry about those biased financial institutions and credit bureaus trying to make your life more difficult. These types of lenders can truly put themselves in your shoes and get an understanding of your situation. So what if you made a mess of your credit score five years ago when you were young and stupid but now earn an above average income? The banks don’t care. But these types of lenders do care, and as long as you can show them that you can make the repayments, you shouldn’t have much trouble at all getting a bad credit loan no guarantor.


More No Guarantor Bad Credit Loan FAQs


How often can I apply?

Most lenders will be willing to provide you with as many loans as you need, provided that each of them are repaid on time. In many cases, repaying on time can even help to build your credit score so that you can apply for loans from traditional banks at some point in the future.

How long will it take to repay my loan?

The amount of time it takes to repay any loan will depend on how much you borrow and how long you’ll need to repay it. For example, you may require an extra month or two to repay larger amounts of money to ensure that you don’t go short elsewhere in your budget.

Why can’t I borrow the same amount as a family member did?

The family member may be earning a larger sum of money than you are, or have less of a poor credit score than yourself, enabling them to borrow a larger sum of money. The amount you’ll be allowed to borrow will depend on your current earnings and the amount of expenses you pay out each week or month.

Why are they called no guarantor loans?

Quite simply, they are so-called if you can’t find a guarantor to co-sign for a loan application. Whether you don’t have anyone willing to join into the agreement, or just prefer to keep your finances private.

How many lenders will I be able to choose from?

After submitting your application, you can view your available lending options. The amount of lenders who are available to you will depend on the criteria that need to be met to be approved – these can vary between lenders.

Can I obtain another loan from the same lender at a later stage?

In many cases, lenders will be more than willing to assist you with future loans as well, provided that you repay the initial loan on time. However, this may differ from one lender to another.