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.

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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Know how to get loan with bad credit

Bad credit mean failure in your past to payback the borrowed amount and it is unable to get approval for new credit. Bad credits are yet to pay previous credits which are pending and not paid in time. This may also lead to not getting any loans further.

A report is prepared by credit bureaus, which creates your credit score report. When the feedbacks show multiple cases of failures, then it is called bad credit.

Function of Credit Bureau

Data which can affect your credit score include bankruptcy, high charge balances and repossessing vehicles. When all these occur repeatedly and severely, then it is treated as bad credit score. These all reports go to Credit bureau. A credit score is calculated on the basis of numerical digits at any given time. It may vary from 300 to 850. The lowest score will be declared as bad credit.

Side effects of bad credits

Once you lose your trust in the market of finance, lenders will be least interested to approve, as you failed to pay back previously and that fall behind the loan given. Your application for approval credit loans for poor credit no guarantor will be denied. If you can manage somehow, you have to pay high percentage of interest, for the credit, than those who are clean in their image. This high range interest is to be paid because lender wants to compensate the risk factor for lending money.

If you get a poor credit score, it will not only affect lenders giving you a loan on the high-interest level, but also everywhere which related credit payment, like the mobile bill, insurers payments, that means utility and cell phone providers will not allow you any credit or will charge high. Similarly, your proprietors will charge you higher security for the rent, may be chances are there they may turn down you. Bad credits will always follow you everywhere.

Threats of bad credit score

As you start using your credit card and fail to do the payments, you are not aware that factors will affect the credit card. Your payments of credit card and your debts will highly affect the credit score. If you miss the payments, you will be on the lower side of credit score, which may lead to poor credit. A loan for poor credit with no guarantor is a challenge. In such scenarios loans for poor credit no guarantor comes as a great help.

Without being in the chart of bad credit score, it is very to understand the problems a person faces when has bad credit. He will not get further credits, will make one’s life miserable everywhere a denial board is hanged, regarding school admission of kids, getting a job, securing a place to live, these all become highly questionable and challenging.

Some bad side effects poor credit score are mentioned below.

  • Getting finance for starting a business
  • Facing difficulties in buying a car. Interest for Car loans without credit checking is much higher.
  • Continuous calls and follow from different creditors. So that loan is to be paid back.
  • Difficulties in getting apartments
  • Employment denials
  • Highest rate of interest for paying back loans.
  • Further loan applications are denied
  • Highest insurance premium.

Thus, reputation is highly affected with poor credit score. In order to avoid that one should always refer to loans for poor credit no guarantor.

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.