'No Guarantor' Loans

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

What is a non-guarantor loan?

  • One that does not need a guarantor
  • Is for people with a bad credit history
  • Available from £500 up to £8,000

How to get loan quotes fast?

Fill out our quick 3-minute form

  • Goes to over 35-lenders
  • Hard work is done for you to get you all the best deals
  • Doesn’t affect your credit file
  • Free, secure, online, and fast (without speaking to anyone)
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Representative 99.8% APR

Representative Example: Borrow £500 over 352 weeks at a Representative Rate of 99.8% APR at an annual interest rate of 99.8% (fixed), you pay 52 weekly installments of £13.41. Total charge of credit is £197.32, total amount payable £697.32.
  • simple online form
  • over 35-lenders
  • instant quotes
  • all online
  • no obligation
  • zero fees
  • 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?

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.


Can I get a loan 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.


Will I get approved?

This will depend on you meeting the lenders criteria ✍️

This does 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?

Remember, that whilst we’ve collected here the very best lenders in the UK for people with a poor credit score, there can be no guarantee that you will get approved.


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


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.

Most Popular No Guarantor Loan Deals

Selected deals from different loan types:

Conduit Logo

Conduit | Type: Instalment

  • £200 - £1,500 Borrow
  • 6 to 18 months Term
  • 99.8% Representative APR
  • 4.9 from ‎‎341 reviews
Tappily Logo

Tappily | Type: Credit Facility

  • Up to £2,500 Borrow
  • Revolving line of credit Term
  • 47.7% Representative APR
  • 4.2 from 187 reviews
Everyday Loans Logo

Everyday Loans | Type: Personal

  • £1,000 to £15,000 Borrow
  • 24 to 60 months Term
  • 99.9% Representative APR
  • 4.2 from 1,364 reviews
Mr Lender Logo

Loans 2 Go | Type: Instalment

  • £250 to £3,000 Borrow
  • Up to 24 months Term
  • 1,013.3% Representative APR
  • 1.7 from 2,245 reviews
Savvy Logo

Savvy | Type: Instalment

  • £300 to £3,000 Borrow
  • 8 to 24 months Term
  • 341.7% Representative APR
  • 4.5 from 316 reviews
 Bamboo Loans Logo

Bamboo | Type: Personal

  • £1,000 - £8,000 Borrow
  • 12 to 60 months Term
  • 69.9% Representative APR
  • 4.9 from 19,206 reviews
Dot Dot Loans Logo

Dot Dot | Type: Instalment

  • £200 - £1,000 Borrow
  • 3 to 9 months Term
  • 757.7% Representative APR
  • 4.6 from ‎‎673 reviews
Safetynet Logo

Safetynet Credit | Type: Credit Facility

  • £1 - £1,000 Borrow
  • 1 to 365 Days Term
  • 68.7% Representative APR
  • 4.5 from ‎‎14,390 reviews
Credit Spring Plus Logo

Credit Spring Plus | Type: Instalment

  • £500 - £1,000 Borrow
  • 6 to 12 months Term
  • 38.6% Representative APR
  • 4.9 from ‎‎476 reviews
Credit Spring Core Logo

Credit Spring Core | Type: Instalment

  • £250 - £500 Borrow
  • 4 to 12 months Term
  • 87.4% Representative APR
  • 4.9 from ‎‎476 reviews
Cash4UNow Logo

Cash4UNow | Type: Instalment

  • £150 - £1,000 Borrow
  • 4 to 6 months Term
  • 1,314% Representative APR
  • 4.2 from ‎‎862 reviews
The Money Platform Logo

The Money Platform | Type: Instalment

  • £250 - £1,000 Borrow
  • 4 to 12 weeks Term
  • 839.2% Representative APR
  • 3.3 from ‎‎6 reviews
TM Advances Logo

TM Advances | Type: Personal

  • £1,500 - £5,000 Borrow
  • 30 to 50 months Term
  • 180.8% Representative APR
  • None