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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Easy unsecured personal loan for those with good credit record  

People with a good credit record do not face any problem to get a loan even if they do not have any asset or a guarantor. There are many lenders who provide the unsecured personal loan to meet your financial need.

One can take an unsecured personal loan for any purpose such as starting a new business, to build a new house, to fund your child’s higher studies or to fund small debt consolidation.

What is unsecured personal loans bad credit no guarantor?

It is a kind of loan which is not secured by any kind of collateral. The loan is given based on the borrower’s commitment to repay the loan within a due date. The lender then thoroughly analyses the borrower’s credit history and source of income. An unsecured personal loan is given to those who do not have any bad credit and do not have any asset to offer as collateral.

Whom to apply for the unsecured personal loans bad credit no guarantor?

  • You can apply for the loan at any major bank or credit union if you do not have a bad credit. It is better to seek a loan from the bank where you have an account. It will help you get the loan early.
  • People with lower credit score can also apply with online lenders who tend to serve the low-credit borrowers. They might offer the better interest rates.
  • It is recommended to take a loan from reputed, state-licensed financial institutions who do not have any history of lawsuits.

Procedure to get an unsecured personal Loan:

The unsecured personal loan amounts vary from $1, 000 to $50,000. The lenders review the credit score of the applicants before approving the loan and charge interest based on the credit score- poor the credit score, higher the interest rate.

People with a credit score between 640 and 700 are eligible to get an unsecured personal loan bad credit no guarantor from any reputed lender.

If you have a bad credit or credit score less than 640 then you will not get the loan from any lender. In that case, you have to opt for a payday loan. To know about a payday loan refer to “Payday Loan When You Need Money Badly”.

Fill up the application form and submit the following documents to get the loan:

  • Identity Proof- You need to submit your Social Security Number, passport, state-issued ID proof or your driver’s license.
  • Address Proof
  • Income proof
  • Bank account details

Terms to Repay the Loan

  • You can repay the loan in instalment on monthly basis.
  • You can ask for balloon payment mode where a borrower has no need to pay monthly payment during the lending term. At the end of the lending term, you need to pay the whole principal amount in addition to the all the interest.
  • You can choose for interest-only loans. In this payment term, a borrower can pay each month only the interest on the loan. The principal amount can be paid at the end of the tenure.

Once, the lender explains all the terms and conditions to the borrower both the party need to sign an agreement. Unlike the payday loan, the personal loan is not so fast. It needs to go through a long verification process. However, the interest rate is much less than a payday loan.


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.