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.

See How We Compare

Loan amount
1,000 - 7,500
Loan term
12 - 60 months
Customer Scores
Great Customer Service
Apply Now

Show More ▼

Loan amount
1,000 - 10,000
Loan term
12 - 60 Months
Customer Scores
Apply Now

Show More ▼

No Guarantor Bad Credit Loans

If you have a bad credit score and you need a loan, then one of the best options is to use a guarantor. A guarantor is someone who will agree to act as a ‘back-up’ for the lender, so that if you are unable to make your repayments, the expense will default to them and they’ll pay for you. That means that the bank doesn’t need to worry about you being potentially unable to afford your loans and it means they’ll offer the money even if your credit score is bad – and usually at a lower price than they otherwise could. Now you don’t need to convince a bank or loans company that you are good for the money – just a friend or family member that knows you well.

In order to act as a guarantor though, your contact will need to have a good credit score themselves. In other cases, they might be required to use their property as collateral, meaning that if you fail to pay the loan and they can’t help you – they could lose their home.

This is a lot to ask and it’s something that not everyone is going to be in a position to do. So if that’s the case for you, what options do you have for no guarantor bad credit loans?

Secured Loans

If you don’t want to use a friend or relative as your assurance, then you can use other forms of guarantee to get the money you need. The most popular options is to use your property as collateral. In this case, you agree with the lenders that if you should default on your loan, they will have the option to seize your home and use its value to offset the amount you owe.

This option once again means that there’s no ‘worst outcome’ for the lender and they can therefore offer loans to people with bad credit – without jacking up the APR. But it’s also a frightening prospect as it means you could lose your home. And if you’re not a homeowner, then this option won’t be available to you.

Another option then is to use a vehicle instead of a property. This might mean using a ‘title loan’, which means you transfer ownership of your car over to the bank or lender as soon as you take out the loan and only get it back once you’ve finished paying. You can even go to a pawnbroker and do something similar with your silverware, or an item of jewelry!

Payday Loans

The other way to get no guarantor bad credit loans though, is to reduce the amount you ask for and to pay it off over a short amount of time. Payday loans are loans designed specifically to be paid back in a few weeks or months and often involve much smaller amounts. If you just need a little cash to help you last until your next payday, then this is a great option. If you need a little more, check out installment loans too!

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 are very common and easy practice under same community people who shares 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.

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.