No Guarantor Loans.

Need a loan but can't find a guarantor? 

You have options and no-guarantor loans are available. 

Compare your options and take back control. 

The quickest way to find the right loan

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Representative 49.9% APR. Representative Example: If you borrow £1,000 over 12 months at a representative rate of 49.9% APR and an annual interest rate of 49.9% (variable), you would pay 12 monthly instalments of £103.06. The total charge for credit will be £236.72 and the total amount payable will be £1236.72.

Loans without a guarantor

I haven’t got a guarantor, what can I do?

Guarantor loans are often the cheapest bad credit loan option. But what if you can't find a guarantor? Well don't panic you have options. There are a number of lenders that consider applicants who don't have a guarantor and bad credit but they will likely charge higher rates than that offered by the high-street banks and supermarkets - just be aware before jumping into an application. Another option to consider is a bad credit credit card or even asking if friends or family could help you out.

This video explains all your options in less than 3 minutes:

No guarantor short term loans

Almost all short term loans do not require you to have a guarantor. However short term loans 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.

Use the Choose Wisely smart search to find out which lenders will accept your application before you apply:

Is a no guarantor loan going to cost me a fortune?

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. 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 compare your options.

Who can get no guarantor bad credit loans?

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.

Check your credit score before applying for any type of credit so you know where you stand with your application. Read our guide for more.

Alternatives to no guarantor bad credit loans

If you have poor credit there are alternative ways to borrow money rather than using a loan, such as a bad credit credit card or asking friends or family.Our guide, “The Ultimate Guide To Borrowing With Bad Credit“ goes through these options in much more detail.

Final word

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 (this table is a good start) and choose wisely.

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