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We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • Apply For £ 50 - £ 1,000
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N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% APR to 278% APR*
N 3-36 month repayment




N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% APR to 1576% APR*
N 3-12 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 236.1% pa (variable). Representative 481.6% APR.

Loans For Bad Credit Guaranteed No Obligations

Guaranteed Loans The deals on guaranteed loan for bad credit are meant to improve your credit situation and keep you happy and contended there all unsecured loans. It simply means that the guaranteed loans no credit check as well as guaranteed bad credit loans come with no obligations. Our guaranteed loan service is one of the premier services in the uk.

Guaranteed Loans In The Uk From Direct Lenders

Guarantee loans come in many forms the word itself can be taken into ways we often find them people googled this term the looking for one of two things. First thing I looking for is a online guaranteed loan i.e. a loan that can be guaranteed to be paid to them upon their application, and this isn’t something that really does exist no loan can be guaranteed even if you have the best credit score the best affordability in the world each lender still makes a rain checks and is well within their own right to decline the loan for whatever reason they see fit as the end of the day it is their money that their lending.

The other version of the loan people looking for is a guaranteed loan i.e. a loan that is guaranteed against property or a person otherwise known as a guarantor to make sure the loan is paid back in full. This is something that you can find in the market it is pretty commonplace for loans to be required to be guaranteed if the applicant is someone that suffers with poor credit or has previously been bankrupt, by using someone or something to guarantee the loan you may increase your chances of the loan being confirmed.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy. We Are A Credit Broker Not A Direct Lender

How Do I Get A Guaranteed Loan?

Getting a guaranteed loan couldn’t be simpler with Unsecuredloans4u, you simply go over to the application form and fill out your application details make sure you fill them out as accurately as possible as that helps the lenders make a quick and correct decision.

What Do I Need To Do To Get A Guaranteed Loan?

When you are filling out the application form make sure you have your income and outgoings to hand the more accurate you are the easier the loan process will be. You will need your bank details and upto date address history for the last three years if you have this to hand you are ready to go.

Can I Get A Loan Without A Guarantor?

Guaranteed loans come in all different types of forms and the good news is you don’t have to have a guarantor for all forms of finance! A real simple rule of thumb I tend to follow if the loan amount is a smaller amount you are more likely to get a guaranteed loan without the use of a guarantor.

Can I Get Small And Large Loans?

They all come in different shapes and sizes all have different rules and regulations, I will try and make these as easy for you as possible the smaller loan amounts will certainly fall more into the guaranteed type of finance rather than the loans for thousands of pounds lenders understandably are more cautious when it comes to lending large amounts of money.

The Benefits Of A No Guarantor Loan

Secure Application Procedure

A secure application process is one of the most important benefits that borrowers looking for finance with no guarantor. As with most lending agencies in the UK, we use online request forms because they are the safest option for your private details and it also enables fast and efficient cash dispersal. This means that all you need to get things started is an internet connection. The procedure for finance with no guarantor is no different from the majority of other alternatives; simply fill out the form through our link at the top or below and you will have a response before you know it.

Guaranteed Approval Otherwise know as “Guaranteed loans with no credit check”

Unlike banks, where their decisions are almost entirely based on a person’s history, the guaranteed approval with no guarantor alternative provides the requested money with full guarantee without concerning itself with the past. It is all about your current situation and your current income and a basis of trust between reliable lenders and customers. We are able to guarantee a range of finance plans for all kinds of amounts and term periods whether you are looking for a short term payday plan or long term loans.

Easy Repayment Schedule

When people with a poor score are applying for these no guarantor options they tend to be looking for a long term loan no guarantor, they must look through the application carefully so as to avoid hefty repayments that they won’t be able to manage. It is very important that you aim to get the finance that you are capable of, if you sincerely follow the repayment plan then you will easily be able to improve not only your score but also your general life standard. As the amount you can apply for can vary massively, make sure that the plan you apply for is approachable. Stick to the plan and it will have a knock on effect, improving your reputation among lenders, making getting finance in the future easier and reducing stress through your accounts.

Apply The Unsecured Way with No Guarantor

Finance with no guarantor can also contain a special feature, they can be unsecured as our options are. It means that the borrower, who may not have collateral or worthy assets, is still able to acquire the plan that they are looking for by getting financial assistance. It is not necessary for people, applying with no guarantor, to put their assets on the line to secure the amount they are looking for; rather the lender will accept the risk themselves, this is unsecured finance one thing to note there maybe some form of checks so they people looking for a long term loan no guarantor.

Finding Guaranteed Loans and Guaranteed Payday Loans for Bad Credit

These days, finding guaranteed loans and guaranteed payday loans for bad credit should no longer be a problem for borrowers, even in urgent financial circumstances. With the continuously rising number of innovative new loan services that are now readily available to borrowers even despite their bad credit circumstances, finding the best guaranteed loans and guaranteed payday loans for bad credit has been made so much easier.

This, however, wasn’t the case in the previous years. Because of the continued rise in the demands for loans and other loan services, as well as the inevitable increase in the number of borrowers with unpaid debts, traditional lending firms and institutions have decided to adopt a credit scoring system in hopes of addressing such problems even in the long term. With this credit scoring system, borrowers were easily classified according to the standards required by the lending firms. Borrowers whom the lending institutions saw as not likely fit to pay off their loans in the future were easily segregated from those whom they saw likely capable of paying off their debts with not much problem at all.

Under this credit scoring system, the borrowers who may have failed to make the recurring payments repeatedly or frequently automatically had their bad payment histories reflected in their records. Through this credit scoring system, individuals, as well as other borrowers hoping to get loans whose income levels do not meet what the lending firms have set as the required minimum was automatically given poor credit scores. As a result, borrowers with cheap credit and bad payment histories were automatically disqualified from acquiring any type of loan from any of the standard lending organisations and firms. Because of this, borrowers who found themselves in urgent financial situations were left with very few, often impractical options. While many borrowers tend to take loans from their friends and family or resort to selling off their properties in order to address their ongoing financial crises, many borrowers instead opt to secure loans from the underground lending firms. But although this latter option does allow them the short term financial relief that they badly need, the long term consequences that are inevitably related to these kinds of loan services often leave borrowers in even more difficult financial circumstances. Because of the inherently high interest rates of underground loan services, a lot of borrowers found themselves trapped in a cycle of difficult financial circumstances.

Getting Guaranteed Payday Loans

With more and more borrowers with bad credit finding themselves trapped in similar difficult financial circumstances, a whole new market composed entirely of borrowers with poor credit was eventually created. And as borrowers demand for more flexible, more affordable, and much safer loan services in this newly formed market, lending firms and institutions later on came up with innovative new financial solutions. With innovative new loan services like instant guaranteed payday loans for borrowers in bad credit circumstances, everyone now has easy access to all these more affordable, more flexible, and more secure loan services. Through innovative new loan solutions like guaranteed payday loans, borrowers now have better loan options to rely on in order to address their urgent financial conditions. Unlike application procedures entailed in most of the conventional loans that are generally being offered in traditional lending institutions and firms, applications for guaranteed payday loans and other similar innovative financial solutions require much simpler conditions. With guaranteed payday loans as well as other similar loan solutions, borrowers are not necessitated to submit impossible difficult to secure requirements.

How to Get Unsecured Personal Loans for Bad Credit

With the help of the latest advancements in online security as well as the unceasing evolution of the lending industry, innovative new loan services like unsecured personal loans for bad credit are now readily available for borrowers in the market. Through unsecured personal loans for bad credit, as well as other similar loan solutions, borrowers may now easily submit their loan applications even right straight from their very own homes. Because loan applications can now be easily completed online, borrowers may now choose to submit their applications from anywhere and at anytime. And since everything can now be accomplished entirely over the internet, loan applications can now be processed immediately after they are submitted. Because of this, approvals of applications for unsecured personal loans for bad credit, as well as other similar loan services, may now be expected in as little as mere minutes after the loan applications have been processed.

The release of funds for approved unsecured personal loans for bad credit, on the other hand, may now be completed in as little as just hours after the borrowers’ loan applications have been submitted. Due to these very useful features of unsecured personal loans for bad credit, these loan services can be considered good alternatives in addressing urgent financial crises. But in addressing more complex financial conditions that require bigger loans and so much longer payment terms, borrowers may rely on guaranteed loans, which are actually secured loans that allow for bigger loans and longer payment terms. With guaranteed loans, borrowers may avail of loans in their traditional forms with the help of a guarantor, which can be an individual or a firm willing and able to repay the borrowers’ loan should he default on them for any reason.

Getting No Guarantor Guaranteed Payday Loans with No Credit Check

While a lot of borrowers tend to believe that getting loans from the lenders directly allows for the most savings because it does not involve paying for loan brokers’ fees, a lot of borrowers fail to realise that because loan brokers have to maintain a network of connections to various lenders across many various regions, they consequently have extensive access to all these lenders’ various discounted lending services. Due to this, borrowers who opt to secure loans through the help of loan brokering firms actually get to enjoy so much more benefits and a lot more savings in the long term.

How do I apply for a guaranteed loan?

Making an application is the easiest step of the more is or you simply need to do is fill out the form at the top of this page. As long as you provide us with full and accurate details we will be out to submit your application to the lender that best suits you. Please make sure at all times you do provide us with accurate information as this really can cause problems when trying to find the lender that will lend to you please bear mine every lender has different criteria so providing us with inaccurate information may mean that your loan is either declined or is delayed.

How Long to Take to Process a Loan?

Loan applications can be relatively fast record stands at 14 hours from application to payout but this was because some providers with hundred percent accurate details and had all their wage proofs to hand. On average from application to payout is between 3 to 5 working days one option to speed this up is to make sure that you have all the accurate information to hand including how much you are paid on a monthly basis and how many outgoings you have on a monthly basis.

What Can I Borrow the Money For?

Most lenders don’t have any preference on what you do with the money as long as you can afford to pay back the money on a monthly basis they are happy. One thing you may find is when a lender is checking your affordability if they find the is going to be tight because your other credit commitments they may ask you to pay off one of those outstanding commitments using the money that they are willing to lend you so you may find that your loan amount is smaller than you originally wanted but on the other side of things you will have one less creditor to worry about.

Do I Need to Make a Joint Application?

There is a possibility that your applications will help process your loan as it means your affordability will be higher but please bear in mind the joint application should only be used with both parties genuinely are willing to pay back the loan. If a joint application is made and approved and any one party pays off the loan and can’t afford any more the other will become responsible just as much as the first party their credit history will be affected if the loan remains unpaid.

Understanding A Guaranteed Loan?

What makes a loan a guaranteed loan its simply a finance agreement where the lender will choose to ignore your credit score and rely on either a guarantor type product or more a payday type product.


Do I need to be employed?

Each and every lender has different lending requirements some do require you to be employed some require you just have a monthly income whether that’s from benefits or wages. As a company we always do suggest that you can constantly afford your monthly payments on each and every loan that you do take this way you will avoid defaulting on any loan agreement.

What If I Have a Bad Credit Score?

Having a bad credit score doesn’t mean that you can’t apply for a loan there are many loan companies within the unsecured lending market that will happily lend to someone with a poor credit score he does however mean that you should expect to have a higher interest rate you would of when you had a perfect credit score this reflects the risk lender has to take when lending you the money. One thing I always do like to suggest for people is by paying your loan on a monthly basis in full your credit score will improve and you will be able to refinance so after one year of having alone and making all your monthly payments on time I do suggest you check your credit score and see if you can receive a better interest rate for your loans.

Is there a maximum age?

Currently there is a maximum age of 65 for most lenders this reflects the government retirement age.

What Amount You Borrow?

Each and every loan can vary in amounts most lenders are willing to lend in 500s there are some lenders that will lend up to £25,000 but this is very dependent on the credit score that you have the average loan we tend to see on a daily basis is between 3 to 5 thousand pounds.

The average loan term tends to be 3 to 5 years but the higher amount loans you can see repayment period spread out over 8 years. For example a loan of £18,000 with a reasonable APR will cost you around £350 a month over five years.

How do I Make Repayments?

Lenders accept payments in various methods but every lender is different on average most lenders will accept payments by debit card direct debit or standing order. One thing to note is that is not possible to pay loan with a credit card the reason being that class paying finance with finance and getting yourself into greater debt.

*Subject to lender approval and requirements.