I urgently need a personal loan but I don't have a guarantor.

Need a loan but have bad credit and no guarantor? bad credit no guarantor loans are the way to go! In the past, lenders in the UK wouldn't lend to people who didn't have a guarantor to back them up. The simple reason was that a guarantor provided the assurance that the lender's money would be repaid. It was like a safety net ready for use if the borrower defaulted on his payments. However, to be fair to people with a poor credit score, emerging lenders came up with loans for bad credit without guarantor. The idea caught on and the market became competitive. Favorable lending rates started replacing the unfavorable and exorbitantly high rates. Now, Easy Fast Loans gives you more choices and better repayment terms for your no guarantor loan UK.

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Fast Financing: In keeping with the objective of fast financing, cash will land in your bank account on the same day and sometimes on the next day. This is subject to approval of your application.

no guarantor loans

Affordability, Not Credit Check

Gone are the days when lenders used to lay a high importance on an individual's credit history and credit score. Everybody knows how it's nearly impossible to qualify as a "good credit" applicant with unsecured loan providers.
To make it possible for people with a less-than-stellar credit rating to explore credit options, more relevant and up-to-date data is being focused on.
That is, if you poorly managed finances in the past, in future you'll spend money wisely. While assessing your application, EasyFastLoans focus more on your current financial and employment status. Apply today no guarantor loans no credit check!

No Guarantor Loans, Approval within Minutes

We understand that the need for cash may spring up anytime in the form of car repairs or home renovation. As there's no time to be lost, applications get approval in less than 30 minutes if all details are in order. True to the principle of responsible lending, every no guarantor loan UK request is put through an affordability check. We want to make sure that you borrow only as much as you can afford to repay. It's best to yourself match your income and expenses before you sign any loan agreement. Please remember that inaccurate details might make loan processing longer. So do check your details once to speed things up.

Personal Loans with or without Guarantor (UK)

With no guarantor loans we don't ask a second party to co-sign your loan agreement. There are individuals in the UK who don't manage pounds from friends and family due to bad credit. Others may simply feel awkward to ask somebody to back them up. You don't need to provide details of any person ready to support you with repayments. With the growing number of unsecured loan providers, getting loans for bad credit with no guarantor has become very easy. Those who have been rejected by banks can turn to us for instant financial assistance.

A guarantor can be anybody, for example, your partner or a close friend who is ready to share the risks of borrowing money. This person makes a promise to the credit provider that the loan will be repaid even if the borrower defaults on his payments. If you're happy asking your family member to act as a co-signee, you can go for guarantor loans that come with better lending terms as compared to unsecured loans.

Loans for bad credit no guarantor no fees direct lender

A no guarantor loan carries a high APR to offset the greater risk for the loan lenders. With Easy Fast Loans' loans for bad credit, there's absolutely no need to take pains to convince somebody to be your guarantor. You can easily apply solely on the merit of your affordability. Why hassle family and friends unnecessarily for a few hundred pounds?

No Guarantor Loans with bad credit: What should you know?

No Guarantor Loan is an unsecured loan that doesn't need a second party to co-sign your loan. Often, a co-signer usually has a good credit score. When you have bad credit and are in difficult financial situations, getting someone to co-sign the loan increases the chances of loan approval.

 Lenders will accept your application and will lend you loans without a guarantor. A guarantor promises that they will pay back the loan if the borrower fails. Lenders are more confident in lending you a loan with guarantor.

 When you apply for no guarantor loans, you don't need to find someone to guarantee your loan repayments. At Easy Fast Loans, we approve your no guarantor loans even when you have a low credit score.

Should I apply for No Guarantor Loans?

Before applying for any kind of loan, you should do adequate research on the Internet. This way you can make an informed decision and not just plunge into the first deal you're offered. In life, money is always needed for unplanned expenses like car repairs, debt consolidation or vet bills, as well as that wedding or family holiday you've been planning for. You should take time to fully understand whether you need our fast loans at all. It's the right time to uncover answers to:

  • Do I really need no guarantor loans?
  • How much is my requirement?
  • How much can I afford to repay monthly keeping living standards high?
  • What are the terms and conditions I'd have to agree to?

Apply-no guarantor-loans

To get a better idea about your financial situation and affordability, a loan calculator and budget planner would be of great help. Consider that consolidating and extending your repayment term could increase overall interest charges.
Whether or not to apply no guarantor loans is an easy decision now. But you should always consider some points before borrowing a loan without a guarantor.
You should:
Think about why you need the funds for? If you need a loan for an urgent expense like home improvements or car repairs then it's a nice idea to borrow.
Always know how much amount you want to borrow and for how long? Before you e-sign your loan agreement, thoroughly examine monthly repayment. It's good to put your income and expenses together and see how much you'll be able to afford each month.

Note: Never borrow more than you can afford comfortably to pay back every month on loans without a guarantor. For more details money advice

Loans FAQ

That's for you to decide. How much amount you want to borrow as non-guarantor loan depends on your own requirements. The loan amount shouldn't be either too less or too much as both can lead to problems. On one hand, borrowing less means you may fall short of money and have to arrange from elsewhere. At the same time, borrowing more than you actually need means you pay a chunk of money as interest. Easy Fast Loans offers loans from £100 up to £10,000. You can borrow any amount within this range. After you submit your application, you'll receive a unique quotation designed on the basis of your financial circumstances. To bridge the money gap till the next pay check, you'd like to borrow quick payday loans or unsecured loans.

There's no fixed cost as deals are tailor-made for applicants. Compare them for their APR after shopping around. APR is the Annual Percentage Rate and changes from product to product and customer to customer. It's basically interest plus any fees you'd have to pay along with the principal amount of the credit. You can avail of low interest no guarantor loans of up to £10,000 with us at an APR starting from 3.9%. In general practice, "loans without guarantor" feature higher APRs as they're an unsecured form of lending.

Sure, why not? We consider bad credit equal to good credit as it can be difficult to get loans with a poor credit history. Not giving much attention to your financial past, the spotlight is on your present income and affordability. Times change, and so do circumstances. There's no point in letting your past define your future. There are many lenders in UK who happily allow you to borrow quick bad credit unsecured loans. However, they are available at a higher rate than secured forms of credit.

The good side to unsecured loans is the opportunity to better your credit score. If you look at UK's three main Credit Reference Agencies, a good credit score is at least:
Experian- 880 on 999
Equifax- 420 on 700
Call credit- 4 on 5

These high standards mean that not everybody would be able to qualify for the best deals with banks and high-street lenders. Bad credit lenders are the best bet. If you approve for low interest no guarantor loans and make timely repayments, you'll be building a good credit history. CRAs are sure to review your credit behavior and reward you with a high credit score.

Yes, we do perform a credit check when your application reaches us. You should note that an FCA-authorized lender might get into trouble if they don't conduct a credit check. So, a credit check does happen but without affecting your chances of getting a no guarantor loan bad credit.
But you don't need to worry as we give more importance to affordability assessment. Your financial past is not a very good indicator of future actions. Therefore, how much you can borrow will depend on how much you earn. It's good to be realistic when it comes to the topic of finances. Do understand the facts and figures thoroughly to be sure you're making the best choice when you apply. The entire process takes place without leaving a search footprint on your credit report.

In the old days, people who wanted a loan used to stand in queues in banks. Having a guarantor was a must. The loan sanction process took a long time that only lead to frustration and disappointment. Choosing Easy Fast Loans means saving time and effort taken to apply for the right no guarantor loans. Online submission and approval simplifies and speeds up the application process.
We believe that every individual ought to get equal access to quick loans, good credit or not. No guarantor loans open up a path for people with bad credit. As needs arise suddenly and unexpectedly, we will do everything to get you fast access to the cash you're looking for. A 30-minute window between submitting your application and its approval makes the entire process as quick and easy as possible.

The meaning of such loans is that you're solely responsible for the loan on your name. While fast loans no guarantor give the much-desired independence to applicants, it's very important that the loan is also repaid in the agreed time and manner. Different lenders are okay with different modes of making repayments. Some may ask that you use your debit card while others may as well be happy with a direct debit from your bank account. Based on individual circumstances, a lender might agree even for weekly or fortnightly payments. It's really upto you how you want to repay the loan. However, credit cards would be of little use in clearing your debts. That's because a credit card is not your earned money but just another debt.

In most cases, yes. You see, lenders who give unsecured loans without any security in return are actually taking on more risk. It's generally thought that if you have a minimum monthly income, you'd be able to repay what you borrow. So, lenders may either specify that you're employed by a company or have your own business/profession. There are also some individuals who have a regular income from benefits and are considered for no guarantor loan bad credit. It's suggested that you only take up so much credit as you can comfortably pay off. Because if your family's standard of living went down due to repayments, such credit wouldn't be worth your while. Always opt for a no guarantor loan deal that helps you improve your credit score.

Some lenders don't allow individuals to borrow no guarantor loans beyond a certain age limit. With most of them, it is 65 years which is the standard retirement age set by the government.

Yes, applying for no guarantor loans with bad credit has never been so easy. We've taken the process online to keep up with the ever-changing way things are done. Also, loans without a guarantor mean less paperwork than loans with a guarantor. You just type in the details required and you're good to go. All our applications are assessed to ensure applicants' financial security, check suitability, and receive cash for your urgent needs.

Terms and conditions vary from person to person, but as a lender, we have a few fixed terms, they are:

  • You should be 18 years and above.

  • Should have a valid prepaid card or bank account to receive your loan.

  • Been living in the UK for 12 months or more.

  • Minimum loan term shouldn't be less than 3 months.

  • Loan amount should be between £50 and £10,000.

Join over 300,000 people who have already taken out No Guarantor Loans.

Borrow No Guarantor Loans up to £10,000 from 3.9% APR

Know your loan amount without affecting your credit score.
Lender's advantage - We don't charge any fees.
Borrow as much as you can afford.
Manage your loan repayments online.
Lowest monthly repayments.


Easy Fast Loans without guarantor from Direct Lender

loans for bad credit no guarantor no fees direct lender
No Guarantor required for unsecured loans upto £20,0000 for UK resident.
No additional paperwork needed.
Interest rates are as low as 2.85% on Guaranteed Loans
No guarantor loans no credit check, we approve on your income.
No processing fee, as we're the lenders we never charge you.

Acceptance Guaranteed

There are only a few criteria to fulfil for a guaranteed acceptance for payday and unsecured loans.
Applicant should be above 18 years of age.
You should have a valid prepaid card or bank account to receive the loan.
You should have been living in the UK for at least 12 months.
Your loan term shouldn't be less than 3 months.
The loan amount can be between £100 and £10,000.
Minimum monthly income of £800 from employment, self-employment or benefits.
Employment details
Proper address

Get approved today. Receive your money as soon as tomorrow!

loans no guarantor

I don't have a guarantor for a loan

    If you have been rejected for borrowing money by a bank and have a poor credit, then it would be a good idea if you will start looking into no guarantor loans.
    With no guarantor loans, you won't need a second party to guarantee the loan's repayment. Oftentimes, when a person believes he or she has poor credit or in a tough financial situation, having somebody with good credit or resources co-sign the loan will enhance the chances that the application will be accepted. The promise of the guarantor that they'll repay the loan once the real borrower failed to do so, making lenders more confident that they'll get their money back.

Get loans without guarantor in Just Simple Steps!

    We know how hard it is to face a tough financial situation. That is the reason why we want to simplify the process of application with no guarantor loans. Don't get frustrated when a bank denied you to borrow some money. Let us be the key to help you resolve your financial worries. Our no guarantor loans are just here waiting for you. All you have to do is to apply now and take the money you need in no time!

loans without guarantor

Why we charge £1.99: We receive numerous hoax applications every day, so by charging £1.99, we dumped hoax applications, and refine genuine customers who seriously need a loan.
Financial details: Rates from 4.5% APRC to 12.6% APRC are available - the highest rate is for customers with severe credit problems. Loans are available from 1-25 years.
Representative Example: Assumed borrowing of £26,000 over 84 months, with a borrowing rate of 5.86% per annum for the 84 months. There would be 84 monthly instalments of £415.52. Total amount payable £34,998.68 comprised of; loan amount (£26,000); interest (£6,328.68); Broker fee (£2,080.00); Lender fee (£590). This would result in an overall cost of 9.2% APRC.
TYPICAL 10.9% APRC variable. This means 51% or more of customers receive this rate or better.
Unsecured Loans are available from £1,000 to £25,000. Representative 12.6% APR variable.
Consolidation Warning: If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Standard Warning: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.