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

£50 to £25,000

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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.

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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.

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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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A healthy solution for 12 month loans for bad credit no guarantor

In the field of finance, every individual or a corporate requires funding to be answered for the betterment of their business or personal investments. With every possible solution offered for finance availability, people opt for one of the most convenient chairs called money lending.

But sometimes because of bad credit, money lenders or even banks do not approve of any funding requirement. Even with cent percent genuine reasons, money lenders find it difficult to sponsor 12 months loans for bad credit no guarantor policy. Though with desperate measures, such an opportunity is possible by few lenders.

Importance of 12 months loans for bad credit no guarantor

With many claws and functions followed to approve 12 months loan, the creditors can enjoy the flexibility of payment as per the regulations of the lenders. 12 month loans for bad credit no guarantor is an increasing demand in the financial market with the ease of sustaining better finance approved in a shorter period of time. Some people might find it difficult to approve such loans as they do not want to risk their capital on individuals which do not succeed on the platform of regular payments and instalments.

For people in stress who needs 12 months loans with no guarantor can get their funding possible in many ways by finding the best lender for themselves. People do not have to hesitate on speaking and telling their genuine reasons for not paying their instalments on time. With genuine flexibility; lenders do approve 12 month loans for bad credit no guarantor loan.

Money lenders to serve you better

Money lenders do hesitate for no guarantor loans because of the involvement of high risk in their pool. But such loans can be approved if asked in the circumference of your family and relatives. In many countries, such a ritual is followed at many levels where relatives act as money lenders to help their family members for the better loan without a guarantor. In such a scenario, money lending is easier and more flexible with interest rates and payment terms.

People do have to compromise on the interests rates for 12 month loans for bad credit no guarantor loans. Under such circumstances, interest rates touch the extreme sky of paying a large portion of the same as the bad credit in the past tend to involve more rate of interest if applying for a capital loan in the future.

Community Sharing

Money lenders involved in such a scenario portrays strict regulations to be followed by the individuals or corporates requiring a heavy amount of loan. Such type of loan is very common and easy practice under same community people who share better understanding and networks in their respective group. The risk of no guarantor is resolved in such groups as the lenders do not have to worry about the disappearance of the creditor.

Bankers are not really your friends!

Under official book, it might be difficult to avail the similar loan with banks or financial advisory functions as they approve the loan under the standards of credit rating. With bad credit and no guarantor segment, bankers and financial advisors pay a heavy risk on the guarantee of money return and regular payment of instalments. Money lenders are the happy and helping hand under such scenario.

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.