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Bad Credit Loans Without Guarantor

If approved, your £100 to £5,000 can be sent within minutes, in a few clicks

With over 50 direct lenders in our network to compare, we find you the best loan offer available!

  • 100% secure
  • No fees
  • No paperwork

I would like to borrow...

...and pay it back in 12 months

Representative Example: Amount of credit: £1,000 for 12 months at £107.53 per month. Total amount repayable of £1,290.36. Interest: £290.36. Interest rate: 49.9% p.a. Fixed*. 49.9% APR Representative. Rates between 9.9% APR and 1,295% APR.

We're a fully regulated and authorised credit broker and not a lender.

We work with over 50 lenders to help you find the best loan possible.
We never charge you for our service.

What is a guarantor?

A guarantor is a person with good credit rating whom you trust and who trusts you - usually a partner, family member or close friend - who agrees to pay your loan instalments if you are unable to make them. They sign your loan agreement with you to serve as a backup if you can't make your repayments.

What are loans without guarantors?

Following on from the first question, loans without a guarantor are all loans that you sign for by yourself. Technically, most loans fall into this category, such as bank loans, building society loans or unsecured and secured loans from lenders. However, the term is now mostly used to describe bad credit loans with no guarantor.

Why take a no guarantor loan for bad credit?

If you have a poor credit score you will notice it's not super easy to find a loan. Usually, the easiest way for people with poor credit rating to get cash is to apply for a guarantor loan. But, if you need money without having someone with a good credit score who you could or would be willing to ask, your best option is a no guarantor loan bad credit.

How do no guarantor bad credit loans work?

They work just like payday loans do - you ask for an amount you'd like to borrow over a term you choose. You provide your information, based on which lenders can decide to lend to you. If you can afford monthly repayments, you don't need to worry about your poor rating. You finalise your loan agreement online and get the money deposited to your account. Be sure to fully understand the loan terms offered to you: the interest rate, loan term, any late or early repayment fees, etc. Proceed only if you are happy with everything.

Looking for bad credit loans no guarantor?

We can connect you to one of our high acceptance lenders in minutes, regardless of your credit score.

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Guarantor loans vs Loans without a guarantor

Guarantor loans usually have a lower interest rate than no guarantor loans bad credit. It's because lenders are taking lower risk. However, you need to have a guarantor with a good credit score. Bad credit no guarantor loans come with a higher interest rate, but you don't need anyone else's help to get one, and it's way easier to apply. They are available online either with direct lenders or through loan brokers, such as Loanza.

Can I get a loan with bad credit and no guarantor?

Yes, absolutely. Increasingly, lenders are focusing on affordability, and not your credit rating. This means, that as longs as they are confident your income to expenditure ratio is good enough and you don't have multiple loans and financial commitments - ie. you can comfortably make your loan repayments - they will be happy to lend to you. With Loanza, you can get connected to a lender in 2 minutes, and could receive your cash in 15 minutes if approved, regardless of your score.

How can I apply for a loan without guarantor?

With Loanza, you can apply for loans no guarantor bad credit by filling out a super fast and simple application form. You will need to provide some personal details, such as information about yourself, your home, employment and expenditure. To apply with any lender or broker, you will need to provide the same details. Make sure you're accurate, as lenders have to perform checks. After hitting submit, Loanza can connect you to a lender and you could receive your cash within 15 minutes*.

Looking for no guarantor loans with bad credit?

We can connect you to one of our high acceptance lenders in minutes, regardless of your credit score.

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Can I get a loan for bad credit with no guarantor without a credit check?

Loanza can connect you with a lender who will most likely fund your loan, without performing a credit check. However, if you proceed with the lender, they are required by law to perform a hard check. Lenders who claim to offer loans without hard checks are misleading you, and better be avoided. To be sure to find a trustworthy, approved lender, use Loanza's free, no-obligation service to get you connected to one. 

What loan company will accept me with bad credit?

There are multiple loan companies who would accept you, so you don't need to worry too much about it. To make sure you'll only apply with a lender who will most likely accept you is to use a loan broker, like Loanza. We have over 50 lenders on our panel, and we check your information against all lenders' criteria to connect you with one that is a good fit. This way, you'll effortlessly find a loan company who would accept you. One thing you can do to increase your chances is to be truthful with all your details when you fill out the application form.

Can I get an Amigo loan without a guarantor?

No. Amigo is a guarantor lender, they specialise in only guarantor loans. They are a great lender we would recommend - and are able to connect you with - if you are looking for guarantor loans. But if you are looking for a loan for bad credit no guarantor, we've got you covered. We have over 50 direct lenders on our panel, all trustworthy, FCA regulated, and many offer no guarantor loans for bad credit.

Looking for loans for bad credit no guarantor?

We can connect you to one of our high acceptance lenders in minutes, regardless of your credit score.

Apply Now