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.

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Quick and Easy Application

No one wants to spend all their time filling out over complicated forms.

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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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Payday loans no guarantor: Things one needs to know

Payday loans no guarantor has become one of the most common forms of the loan in the 21st century. One of the key reasons behind this is the fact that these loans don’t ask for any sort of co – signers or guarantors. A guarantor refers to a person who takes the responsibility for a loan in the event that a person for whom he or she was the guarantor fails to repay the loan. Since a lot of responsibility is involved, most individuals don’t prefer being a guarantor or a co – signer.

Things to consider

Well, one thing for sure that an organisation or a bank won’t grant a loan to anyone and everyone. There are numerous things that lenders consider at the time of approving a loan. This aspect must be considered in order to be certain about the fact that the borrower will be able to meet the decided terms and conditions. Listed below are some of the major things to consider:

Credit score

One of the first and foremost things individuals look for before approving a loan is the credit score or the credit history of the borrower which tells the lender about the history of the borrower as far as the repayments of his or her past loans are concerned. This becomes extremely crucial especially in the event that a large amount of money is involved.

Under most circumstances, the lenders will decline a loan application without even going through the other details in the event that the individual has a bad credit score. So, it becomes extremely important for individuals to maintain a good credit score.


Another major aspect that lenders of payday loans no guarantor consider are the job of the borrower.

This is done in order to figure out as to whether the individual is capable of repaying the loan amount or not.

Also to estimate the outcome of the entire transaction. Individuals with secure jobs will get loans more easily than individuals who don’t have any sort of secure jobs.

 Bank Statement

The various financial transactions carried out by the borrower in the last couple of years are also considered in order to ensure his or her annual turnover in the event that he or she is a business man or a business woman.

Hence, next time you go for payday loans no guarantor makes it a point to carry the passbook of your bank. Even a legal e-statement shall suffice for the purpose.


This is another aspect that lenders consider.

The impact of the duly repayments on the finances of the borrower is something the borrowers must definitely consider.

If the repayments lead to more loans, then the purpose of the loan will certainly not be served.


The budget amount is another major aspect that ought to be taken into consideration.

If the amount is low, then the risks involved are less and hence, the list of the terms and conditions won’t be too large.

For any sort of further details and queries, just Google it!

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.