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.

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.

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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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Bad credit loans now an opting solution

World’s economy is becoming volatile nowadays. As per the free market policy, people can enter and exit the business freely. But why do people have to wind up their business, is the main question? And the answer to this question is irregular profitability or uncontrollable losses.

For a body to survive, blood flow is very important. The same goes with the business. It is important to ensure the flow of cash in a positive wheel.

To keep this flow, people take many loans. These loans can be taken from any banking or financial institutions, or may be from money lenders. And due to the market’s nature, they are not able to pay the timely installments on time, and their name gets listed in the bad creditor. In such scenario Bad credit no guarantor loans emerged as one of the best opting solutions.

Bad credit no guarantor loans

 It can be a tricky business as it involves a high percent of risk on payment collection. Though with such premises, money lenders do make enough capital by providing such loans to individuals or corporates.  Before going further with the details of such loans, it is important to understand few significant segments.

What is Bad Credit?

Bad credit is a derived history of the individual or a corporate having non satisfactory results with their regular payments against a loan. Bad credit is a title given by money lenders and bankers to distinguish between the individuals with regular payment against their payment and those, who do not.

Bad credit helps in delivering a transparency with the financial reputation of the corporate sustaining any bank loan or personal capital lending.

In addition, Bad creditor is someone who was not capable of repaying the loans on time, and often faces problems while applying for a new loan.

What are no Guarantor loans?

A guarantor is an individual or a firm which provides the guarantee for the particular corporate/individual to be titled for regular payments and other commitments against their loan. A guarantor is a must segment in a bank, as it helps in reducing the risk of irregular payment.

A guarantor is always under the eyes of the collection team if the payments are either irregular or not received at all. Such declarations can result into troublesome questioning and risk faced by the guarantor.

Such a loan can be a troublesome issue for the money lenders. However, money lenders are comfortable by providing the same in few exceptional cases.

The most common optimization of such loans is realized in the same community where people borrow money on trust factor. Many corporates along with money lenders sign up for mutual agreement even under the consideration of longer procedure and high risk. Such agreements require optimal commitment with regular payments. With few claws about irregular payment leading to official notice that might involve government bodies can be charged against the corporate or individual in case of irregular or nay payment receivable.

Even under high risk and potential of bad listing under the governmental bodies, Bad credit no guarantor loans are successful platforms for those in desperate needs.

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.