'No Guarantor' Loans

Get quotes in 3-minutes for 'loans with no guarantor'

What's a non-guarantor loan?

  • One that doesn't need a guarantor
  • Is for people with a bad credit score

How do I get one?

Fill out our quick 3-minute form to get quotes

  • Your form goes to up to 27 lenders
  • A very fast way to find the best loan deals
  • Does not affect your credit file
  • Is free, secure, online and fast
  • All done online without having to speak to anyone
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no-guarantor-family Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.5% APR and an annual interest rate of 49.50% (variable), you would pay 36 monthly instalments of £194.52. The total charge for credit will be £3,002.72 and the total amount payable £7,002.72.
  • one simple form
  • up to 27 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • secure

Popular Questions


Can I get a loan without a guarantor?

Yes 👍

If you do not have a guarantor or do not want to ask someone, we do have a good number of UK lenders who accept people with a bad credit history.

  • To quickly find the lenders who will accept you, hit get quotes and fill out our 3-minute form.
  • You will then be presented with the loans available to you and their costs.

What are no guarantor loans for bad credit?

A personal loan that’s available to people with a poor credit rating

  • One that you are responsible for paying back and does not require someone else to back on your behalf ⛹️

  • A guarantor loan is not suitable for many people as they may have no-one suitable, or willing to back their application.
  • The ‘no guarantor loan’ is just a ‘normal’ unsecured loan, so not secured against property, vehicles, or anything else.
  • The amount you pay is dependent on your credit history, disposable income, and lender.
  • This type of loan can be more expensive than the guarantor type.

Our lenders have been carefully selected to ensure the options available are as affordable as possible.


Are the loans fast?


Many lenders payout in an instant - within 2 hours of your application 🏃

(if you complete all the information required by the lenders)

  • The application and payout process is typically quicker than a guarantor loan.
  • Make sure you have your income, expense and employment information to hand
  • Plus bank account details, to ensure you have all the information that the lenders need.
  • Most of their systems and checks are carried out automatically online, so making a fast and efficient process.

To quickly get things moving hit get quotes and fill out our 3-minute form.


Am I guaranteed to get approved?

NO 👎

  • No lender or broker can guarantee their applicants that they will be able to provide a loan.
  • If you do not meet the basic criteria listed above, you will not qualify.

> To find out if you qualify for a loan apply here <


What can I use the loan for?

There is no restriction to what you can use the loan money for, so long as it’s legal ⚖️

Note that payments can cause you serious money troubles. For help, go to moneyadviceservice.org.uk


Will I be credit checked?

For getting a quote there are no hard credit checks 😀

  • A soft search is done - this has no impact on your credit score 👍
  • When applying with the lender a hard credit check is done.
  • This is one of the ways the lender assesses your ability to repay, plus check that you're a UK resident, over 18, and not bankrupt.
  • Our lenders allow people with a less than perfect credit score.

Typically, the worse your credit rating, the more the loan will cost.

More Questions


What criteria do I need to meet to get a loan?

Whilst criteria do vary from lender to lender, typical requirements:

  • Minimum of 18 years old
  • Be a UK resident
  • Have a UK bank account with a valid debit card
  • Have a regular income and to be able to afford the loan repayments

If you meet the above, the next step is to Apply by filling out our quick application form, see the loans presented, and then apply to your preferred one.

Also see What's the guarantor loan criteria?


Do you have 'no credit check no guarantor loans'?

When getting a loan quote

  • No hard credit checks 👍
  • No impact on your credit score 😀

Credit checking is not a bad thing as our lender's lender accept

  • Bad credit score
  • Missed payments and defaults
  • CCJs
  • No credit score

Our lenders do credit checks when you apply, but only for things like:

  • The electoral register
  • If you're bankrupt

Want to find out how you could start improving your credit score?


So if you've got a poor credit score and need a loan, Get Quotes, with no impact on your credit file, then apply to your preferred lender.


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

Having a bad credit history can make it tough to get a loan and if you are not careful, they can be very expensive 💷

  • We’ve partnered with a wide range of lenders who provide different options depending on your own personal circumstances.
  • If you are lucky enough to have someone who can back your loan, the cheapest option is typically the guarantor type.
  • However, we do have a good number of lenders on our panel who do not require someone to guarantee their loan, still at competitive rates.

To find out the options click get quotes and get a list of the loan options.


Would it be cheaper to go to a lender direct?

No 👎

  • Our service is completely free for you to use (see how we get paid).
  • The loan interest and fees you pay are the same irrespective if you come through us or went to the lender directly.

The advantage of using our service like ours is speed

  • fill out one quick and simple form
  • and we will do the hard find the best deals and lenders that will accept you.

What is the cheapest loan?

Currently, the lowest cost loan per month is listed at the top of our loan deals table below.

  • This can change from time to time, plus it is not necessarily relevant to everyone’s circumstances.

For the most up to date information and the lowest loan cost for you based on your circumstances, please fill out our quick loan form to get loan quotes.


Can you get an Amigo loan without a guarantor?

Amigo is a guarantor lender, so they are unable to lend to those who do not have someone to back their loan application.

  • Amigo is an excellent lender with a good reputation; however, they are not the only option if you have a poor credit history.
  • All the lenders on our panel who provide loans without a guarantor are quality lenders and FCA regulated in the UK.

If you do not have someone to guarantee your loan and need an alternative to Amigo, apply here to quickly see the loans available to you.


What if I have more questions?

If you have more questions see our comprehensive Frequently Asked Questions section.

Best No Guarantor Loans Deals

Showing the top 4 loans of 12, based on total price for £1000 over 12 months.

Likely Loans

Likely Loans Unsecured loan

  • £1,277.76 Total repayable
  • £106.48 Per month
  • 59.9% APR Representative
  • 8 reviews
SafetyNet Credit

SafetyNet Credit Specialist loan

  • £1,320.00 Total repayable
  • £110.00 Per month
  • 68.7% APR Representative
  • 4718 reviews
Fair Finance

Fair Finance Unsecured loan

  • £1,417.68 Total repayable
  • £118.14 Per month
  • 109.6% APR Representative
  • 39 reviews
Car Cash Point

Car Cash Point Logbook loan

  • £1,802.88 Total repayable
  • £150.24 Per month
  • 230.7% APR Representative
  • 982 reviews