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No guarantor loans.

Apply now and get an instant decision from UK direct lenders.

Compare lenders that have accepted your application. Loans from £1,000 to £15,000.



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A quick, easy way to get a loan today.

Representative 49.7% APR (variable). Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 36 monthly instalments of £126.61. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.

Loans without a guarantor.

If you have bad credit and can’t find a guarantor, don’t panic. Although you may have to pay a little extra, you do have options. Use Choose Wisely’s loan search to find out which lenders will accept your application before you apply.

Can I apply for a short term loan without a guarantor

Almost all short term loans don't require you to have a guarantor. However, short term loans are a very expensive way to borrow, and acceptance is never guaranteed. If you decide to go down this route it should be as a last resort to cover an unexpected emergency and not for repeat borrowing or to cover daily costs such as food or rent.

Will I be accepted for my loan?

Each lender will have their own acceptance criteria. It's vital before you apply for a loan (or any financial product) you check these criteria and make sure you tick the boxes. Any doubt don't apply. If you can find a guarantor your chances of acceptance will increase.

Use the Choose Wisely Smart Search to find out instantly which lenders will accept your application.

How much will my loan cost me?

If you don't have a guarantor and have a history of bad credit, in the eyes of the lender, lending to you comes with a greater risk. If approved you can therefore expect higher rates than offered by the banks or supermarkets. However, this doesn't mean there aren't deals to be had. So stay savvy, and use Choose Wisely to get an instant quote.

Alternatives to no guarantor bad credit loans

If you haven’t got a guarantor and have a poor credit history this 3 minute video explains your options:

The final word on applying for a no guarantor loan

If you have bad credit, haven't got a guarantor and looking for a loan you have options but before applying know where you stand, compare your options and choose wisely.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk