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
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Loan amount
1,000 - 10,000
Loan term
12 - 60 Months
Customer Scores
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Access the loans with no guarantee and meet your financial needs 

There is no need to worry if your loan application is rejected by your bank or there is no one to lend you some money in the hours of need when the financial emergency is surmounting on you. The main reason why bank must have rejected your loan application can be your bad credit. If you have failed at one time in maintaining the good credits with the bank then there are chances that you may have to face rejection by the bank next time when you go for the loan clearance.

In such event, you need to get the services of the companies or the lenders that offer loans with no guarantor needed. The borrower can avail the services of such lender or lending company that does not require any guarantor. Generally, these are the online companies which provide quick lending services to the borrowers to meet their need of money.

No need for the formalities

Unsecured loan providers do not ask for many details about the borrower other than some important details like name, address, contact number and the beneficiary account number. It helps in saving time for the documentation formalities to access the loan. Also, there is no need to stand in the long queue as the lender is online. Hence, you can apply for the unsecured loans at any time of the day.

Quick access loans without guarantor

Online loans with no guarantor needed are also termed as the unsecured loans and these are getting the popular option among the people across the world. It saves their time in search of the guarantor and makes the borrower responsible for the repayment of the loans. When applicants apply for the unsecured loan online, within few minutes or few hours, the loan is approved by the lender. Hence, you get the loan amount in your bank account without any delay. So if you are in need of urgent money, it is the good option to meet your quick need of the money.

Loan repayment flexibility

Unlike the loans from the banks or other financial institution, there is no need to be bounded with the repayment terms of the loan. Borrowers get the flexibility of loan repayment which helps you to create your own monthly payment option to have convenience in loan repayment.

Keep your assets safe

There is always a risk of the loss of assets in case of failure to repay your loan on time to the bank or financial institution. But, on getting the loan from the unsecured loan providers or lenders, your assets are completely safe and there is no risk to it. Even if you fail to make your EMI in a particular month, you can choose to repay the double in the next month. You just have to make the request to the lender to allow you to skip EMI payment in a particular month.

Although loans with no guarantor needed are easy to obtain and easy to repay, there is a higher interest rate as compared to the loans by banks. Hence, it is important to check out the interest rate before making the loan application and does not ever forget that you have to pay higher interest in addition to the sum which you have borrowed.

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.