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 ▼

Payday Loan – When You Need Money Badly

When you need the money most, you do not bother even to pay the high interest if someone is ready to help you financially at that moment. Payday lenders do the same thing. They can give you the money immediately and provide you the time till your next wage day to repay loan. It is known as a payday loan.

Know About Payday Loans No Credit Check No Guarantor in Details

short-term-loan-handing-outA payday loan is a short-term loan that is given without any security. Additionally, it requires no credit check and no guarantor. The loan amount is usually as small as $500 or even less. The maximum amount, however, varies from state to state. The lenders give money against a post-dated check which allows them to deposit check at bank after completion of term and recover their money.

Though the loan is given at high-interest rate, there is an option of renewal or rollover. A borrower can also repay loan on an installment basis over a longer period of time. The loan can be given in the form of cash or a check or deposited in the borrower’s bank account.

Interest Rate Taken for Payday Loans No Credit Check No Guarantor

The interest rate may vary from $10 to $30 for every $100 borrowed. The average lending period is generally around two weeks. It usually costs 400% annual interest (APR) or even more. Some lenders charge even 780% APR from borrowers, where there is no state cap on the maximum finance charge.

Since interest rate is too high in this case, you can go for an unsecured personal loan. To learn about unsecured personal loan go through “Easy Unsecured Personal Loan for Those with Good Credit Record”.

Who Takes Out Payday Loans?

  • The people with poor credit history usually take a payday loan. It is because there is no credit check from the lender’s side.
  • Those who do not want the outsider to know about their financial crisis. The loan never appears on the credit history if the borrower repays loan within due date.
  • Those who do not have any guarantor. The payday lender takes the complete responsibility and gives loan at own risk.
  • Those who have a steady income source and sure that they can repay amount with due date.

Who Provide the Payday Loans?

The payday loans are offered by the payday loan stores. Those who offer other financial services, such as title loans, pawn, and rent-to-own facilities, also offer payday loan service. To run such stores, one should have the state license. The high-cost payday lending is authorized only in 32 states.

How to Get a Payday Loan?

One can either apply online or visit a store physically with following documents to avail payday loans no credit check no guarantor:

  • Bank account details
  • Valid Social Security Number or Individual Taxpayer Identification Number
  • Proof of income.

A pay lender does not go through lengthy paper works, credit check and ask borrower for a guarantor. Just check the aforesaid documents, signs an agreement with borrower and provide the loan.

A payday loan is affected after 72 hours. In the meantime, if a borrower wants to cancel the loan agreement by paying back the amount that was taken as a loan.

Consumer Protection

Payday lenders are also known as a loan shark. They take the advantage of people’s helplessness and give the loan with no credit check and to those who have no guarantor. To save the people from being prey of those lenders, Consumer Financial Protection Bureau has been formed by the federal government. Moreover, there is also a Military Lending Act for the protection of service members and their dependents.

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.