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

£50 to £25,000

Paid out by

Payday Loans

£50 - £995

Tick - OrangeOnline decision

Tick - OrangeResponsible lenders

Tick - OrangeRates 278% to 1576%

Tick - Orange3-12 month repayment

Personal Loans

£1,000 - £25,000

Tick - OrangeInstant Decision

Tick - Orange60-Second Application

Tick - OrangeRates 4.7% to 278%

Tick - Orange3-36 month repayment

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.
Not all loan types and amounts are eligible for 20 minute payouts. Your chosen bank may increase the time you receive the funds.

What sets us apart from the rest

Quick and Easy Application

No one wants to spend all their time filling out over complicated forms.

Personalise Your Loan Needs

It is no good applying for too much or too short a period – Make your loan your way.

Loans Paid Out Today

One of the fastest payouts available, most receive their money within 15 minutes.

Types of No Guarantor Loans

There are many different types of no guarantor loans that are perfect for all kinds of different situations. Below you will find the range of loans that we offer with a little description to help you decide which is most suitable for you.

Don’t worry if you cannot make a choice, or do not know what kind of loan will suit your situation best. We have a dedicated team of experts on hand all the time to help you with whatever you need. If you need help just visit our Contact Us page now.

12 Month Loans

Having a 12-month Guarantor Loan is quite self-explanatory, it simply refers to the term period that it stretches over. The amount that you can borrow over that term period is it up to you however.

Credit Brokers

One of the most important things when looking for finance is to find the right lender. We can help you to find the best Credit Brokers from across the UK, not only saving you time but also money.

Exclusive Loans

These Exclusive Loans are a fantastic way of getting the very best rates on the market. These plans are rates and term periods that are exclusive to us and our lenders, you won’t find them anywhere else.

How to Get a Loan Bad Credit

If you are new to the borrowing world, are not too familiar with the process and are concerned about being rejected due to a bad credit history, you are not alone. So if you need Help to Get a Loan with Bad Credit then apply with us today and we will guide you every step of the way.

No Guarantor Loans for People on Benefits

Often lenders require a proof of income from the borrower before they will accept a finance plan and this normally excludes those on benefits. Now with a No Guarantor Loan for People on Benefits these exclusions do not apply, you can get financed today.

Short Term Loans

When you need a small amount of cash to help with a minor financial issue then Short Term Loans are a fantastic way to get things back on track.

Applying for Very Bad Credit Loans

Even if you have a Very Bad Credit history or have been refused credit in the past you can still get the finance that you are looking for today. We can help you make the right application and ensure you get what you need.

No Guarantor Credit Loans

You can find No Guarantor Credit Loans that you need with no hassle at all when you apply with us. We have streamlined the entire process to make sure that you get the cash you need as quickly as possible.

Financial Freedom

Find out how a no guarantor loan can help you discover true Financial Freedom. By opening up your financial availability you can reduce the amount of stress in your life almost instantly.

Instant Decisions

When you are in a hurry to get the cash you need then you can’t afford to wait around for days just to be told if you have been accepted. You need an Instant Decision Loan to make sure that you get your money in the fastest time possible.

No Guarantor Payday Loans

Payday Loans are becoming a more and more popular form of finance for short periods. With a No Guarantor Payday Loan, you can get the finance you need with ease.

UK No Guarantor Loans

We work with over 40 of the most reputable lenders from across Britain to make sure that you get the very best rates on the market. If you are looking for a UK No Guarantor Loan then you have found the right place.

Bad Credit Loans

So many people suffer from the financially crippling effects of Bad Credit and are stuck without many options. We can help you find the right plan to suit you no matter what your circumstance.

Debt Consolidation

When you owe various amounts to various lenders it can be a stressful experience trying to balance the payments and keep track of everything. Now with Debt Consolidation, you can get all your finance in one simple monthly payment.

Financial Needs

Everyone has different circumstances that require different amounts of income and we all experience times when that income is not enough. We can help you no matter what your Financial Needs.

Loans for Less

Everyone prefers getting something for less and loans are no exception to that rule. If you are looking for a loan and have some flexibility in the amounts and term that you need then why not see if you can get the same Loans for Less.

Payday Loans

When you live month to month on your paycheque it can be extremely stressful when an unexpected bill arises and you don’t have the cash to cover it. Now you can get a quick cash injection with a Payday Loan to tide you over till the next month.

Unsecured Personal Loans

If you are looking for a No Guarantor Unsecured Personal Loan then we can help you find the very best rates on the market. No matter the amount you are after or over what term period we have a plan to suit you.

Business Loans

Finding the right loan for a business can be tricky. Whether you are looking for a small start up amount or are more interested in a larger sum then we can help you. Find your Business Loan today.

Direct Lender

Getting cash from a Direct Lender is a great way to reduce the amount that you pay in interest. We work with the most reputable lenders from across the UK to bring you the very best rates on the market.

Good Credit Record

If you are one of the few people that have a Good Credit Record then you are open to a much wider variety of finance. By showing that you are financially safe you will reduce the interest rates on all borrowing plans.

No Credit Check

If you have a bad credit history and are concerned that you will be refused for the finance that you need then why not opt for a No Credit Check Loan. Increase your chances of being accepted with no effort at all.

Personal Loans No Credit Check

When you need a personal loan but have a poor credit history one of the best ways to make sure that you get accepted is to opt for a Personal Loan No Credit Check.

Very Bad Credit Loans

If you have a Very Bad Credit history then getting approved for a loan can be a tricky thing to accomplish, but it doesn’t have to be. We have a wide range of lenders that we work closely with to make sure that you get the best chance of being accepted for your plan.

See How We Compare

Loan amount
1,000 - 7,500
Loan term
12 - 60 months
Customer Scores
Great Customer Service
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Loan amount
1,000 - 10,000
Loan term
12 - 60 Months
Customer Scores
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Where Did No Guarantor Loans Come From?

Once upon a time, it was rare to find loans that did not require guarantors. In fact, you can still take out an entire mortgage today with no need for a guarantor! Originally, guarantors were more often used for bills and particularly for tenants. If you were self-employed and trying to rent an apartment for example, then you might be asked to use a guarantor in order to give assurance to your landlord or to the property management company.

But gradually, guarantor loans are becoming more popular as more and more borrowers turn to this option as a way to get the money they need even where their credit rating might not be particularly positive. The problem is that not everyone has a guarantor willing to pay for loans they can’t afford on their own. Likewise, many people won’t feel comfortable to ask their friends and family for loans, which is very understandable.

How to Find No Guarantor Loans

Luckily, it is still relatively easy to find no guarantor loans for the most part. Most loans that you find online are not going to require a loan, even if more and more are gradually starting to take this approach. Rather, the main challenge will be to find no guarantor loans when you have low credit. That’s because a bad credit rating makes it harder to find loans, seeing as you’ll pose more of an apparent risk to potential lenders.

So what alternatives are there to using a guarantor? Good options include payday loans, title loans, instalment loans and guaranteed loans. Guaranteed loans are loans that usually involve using your home as collateral. This means that if you can’t afford to pay off the loan, then you could risk having your home repossessed. Title loans act the same way but using your car – and technically ownership will transfer to the lender as soon as you take out the loan.

Payday loans and instalment loans meanwhile are smaller loans paid back over a shorter time period and with higher relative fees. These often don’t require a credit check, meaning they’re open to more people. As ever, this is all about finding the right type of loan for your specific requirements; a guarantor is just one option.

Loanize is a licensed credit broker and not a lender.

We will never charge you for our service and the lender will not increase the rate to cover our fee to them.

We work with over 40 different lenders to bring you the very best rates from across the UK market.

Representative Example: Borrow £200.00 for 60 days. Repay in 2 payments, first payment in 30 days
Each Payment: £147.04. Total Repayment: £294.08, Interest: £94.08.
Interest p.a: 365%(fixed). Representative APR 1058%

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

Do not borrow more than you can pay back as defaulting on payments can lead to serious monetary problems.

Any collateral you have against the amount may be at risk of repossession.

Finding the Right Loan for You

There are many kinds of loans that you can get while using a guarantor. We have divided our site to focus on specific kinds to make it far easier for you to make sure you are getting the finance plan you are looking for.

If you are looking for something specific then check to see if our sub-sites cover what your after. If they don’t just get in contact with us and we will definitely be able to help.

5 most recent personal loan reviews

Review of Ikano Bank

Honest, realistic and genuine, I can't say anymore than that. I had problems with credit in my past that were cleared but unfortunately my credit score was very poor but thankfully Ikano loans gave me a chance to rebuild that. High rates, but that's expected when getting a loan with such bad credit. Thanks again for your support.

Review posted by Peter Harrow, Thornbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Money Guru

Excellent communication and a very quick and easy process. Authorisation telephone call was conducted by a friendly and polite lady who explained everything clearly. Would highly recommend this company.

Review posted by Melanie Steele

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Satsuma

The service was simply amazing. I have never taken loans service seriously, my view point has now changed. I needed the money for flight tickets to attend a funeral and I could have not been dealt with in such an amazing manner. The interest rate was also better than I expected. Certainly will be paying the money back early as this was really an emergency and a life saver.

Review posted by Wayne Crouch, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews acquired from trustpilot.com for authenticity.