No Guarantor Loans

Availing no guarantor loans could not be convenient until our bespoke deals arrive. Use our loans and get benefits like affordable monthly repayments and an excellent chance of loan approval despite a bad credit rating.

Representative 49.7% APR

Representative example: Borrowing: £1,200 Interest: 0.34% per day for up to 75 days (124% per annum, variable) Representative: 49.7% APR (variable)

  • Free, no obligation quote

  • Instant decision

  • Same day payouts

Want to Obtain Fast Funding? Apply for No Guarantor Loans

Are you searching for a reliable lender who is willing to accept your loan request with no guarantor? We provide you with that opportunity with our no guarantor loans on competitive interest rates and flexible repayment terms.

These loans keep your worry aside on finding an extra person to take your loan guarantee. These are the specialised loans where you do not need a guarantor despite your credit rating being not satisfactory.

Loans from the mainstream lenders often demand a guarantor who can be your parent, relative or friend. However, your guarantor should have a solid credit history, and they should be the homeowners.

Sometimes, getting a person with such an excellent credit record becomes a challenge. This often happens when you have a poor credit rating and less financial credibility

Therefore, availing of no guarantor loans online from a direct lender like us relieves you from such a plight. Simply fill our application form now that completes within 5 minutes. We will quickly go through your loan application with a soft credit check process. Once everything sets perfectly, we transfer the funds to your bank account within 24 hours.

How to Define No Guarantor Loan?

Loans without guarantor are short-term personal loans, which you can apply to borrow up to £10000. You do not need a second person that acts as your loan guarantor. These loans are extremely beneficial for those with poor credit scores.

Over the years, the role of a guarantor has become crucial in assuring extra security to a loan. Lenders feel no risk in funding with a guarantor. However, it is possible when you have a trustworthy and financially sound guarantor.

Finding that person takes a lot of time, but your financial emergency does not allow you to do so. Therefore, no guarantor loans from a direct lender are the perfect choice to get fast funding.

These funding sources allow you to communicate directly with the lender, as no third person interferes. Directly or indirectly, you get the financial freedom to take the responsibility of loan repayment and improve your credit score.


At Loanorganisation, you can apply for no guarantor loans for a range of purposes:-

  • Wedding expenses
  • Home improvement
  • Holiday costs
  • Improving the credit score
  • Filling financial gap during a car purchase
  • Boiler repair
  • Urgent car repair
  • Medical expenses
  • Funding during unemployment
  • Debt Consolidation

How Are Loans without a Guarantor Beneficial?

There are many instances in our life where you cannot wait for days or weeks to get the necessary funds. Instead, we want same day funding to calm down the financial urgency. It is where loans without guarantors from direct lenders work for you.

We offer these loans on many benefits in which the most significant ones are-

  • Save your precious time with no guarantor needed

    Some individuals search hard for a guarantor because their credit score is not allowing a smooth approval. Some loan providers, particularly banks, have stringent policies. They want only that person as your guarantor who has maintained an excellent financial record plus a homeowner. With your less financial trustworthiness, no one, even your close relative or friend, hesitate to take your guarantee. With no guarantor loans, there is no need to indulge in such complications.

  • Obtain Faster Funding with no obligation of a guarantor

    Non-guarantor loans usually work instantly as there is no third person needed. You do not depend on another person during the loan application, and you can submit it straightway. With our highly digitalised loan procedure, you can access funds faster than even happen within one hour. On the other hand, if you opt for a guarantor loan, you must wait for at least 2 to 3 days to be funded.

  • You do not need to put the burden on someone else

    You have financial trouble, and you need the funds. Why put your burden on someone else? Indeed, loans without a guarantor can also keep your relations intact. Loan repayment is a huge responsibility. If someone signs your loan contract as the guarantor, they have to repay if you default midway. It can be possible that your guarantor is not in the condition of repaying the loan when you default.

How to Qualify for Loans without Guarantor from Direct Lender?

The benefits mentioned above will tempt you to apply for no guarantor loans. It is good! However, wait for a moment. Are you qualified for the loans?

If you have borrowed a loan before, you must be aware of general loan qualifying criteria, such as age above 18 years and being a UK resident. You can make your loan chances stronger by working on the given below points.

Maintain a Good Credit Score

People who scored well in their credit ratings have higher loan chances irrespective of short-term or long-term loans. You should build a good credit score by repaying loans on time and making all credit card payments on time. Try not to default and avoid having CCJ against your name.

Minimum Debts to Clear

When applying for a loan, you should not have too many debts to clear. It puts a good impression on the lender, and you can qualify for the loans straightway. If you have debts to consolidate, first apply for personal loans or a more specific debt consolidation loan option.

Stable Monthly Income

Your lender is allowing you to get loans without a guarantor or perhaps with a low credit rating. Your income plays a significant role in fetching 100% acceptance loans with no guarantor in such circumstances. Therefore, you should be earning a stable monthly income to increase your loan chances.

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Does Loanorganisation offer Bad Credit Loans with No Guarantor?

There is no doubt that people with excellent, good and fair credit ratings have higher loan chances. What about those with bad credit?

If your credit history does not sound good, a no guarantor loan may be the right solution to have better financial outcomes. At Loanorganisation, you have the opportunity to get loans for bad credit with no guarantor on benefits, which matter to you.

If your monthly income guarantees the proper loan repayments, we approve your loan application without hesitation. Your income will play the role of loan security. Thus, we do not need any guarantor and collateral.

We do not finalise a loan deal without going through your financial history. However, it does not relate to hard credit checks. We approach soft credit checks on every loan deal and sometimes no credit check if you maintain an excellent financial recovery in recent times.

Your good current financial performance can bring the approval on very bad credit loans with no guarantor and no broker in the UK.

Bad Credit Loans with No Guarantor

  • Borrow up to £10000
  • Competitive interest rates
  • Loan period up to 60 Months
  • Flexible Loan Repayments
  • Online loan application

Very Bad Credit Loans with No Guarantor

  • Avail amount up to £5000
  • Manageable interest rates
  • Loan term is up to 36 months
  • Flexible Loan Repayments here too
  • Same, i.e. online loan application

What are the Measures for Loans for Bad Credit with No Guarantor?

We run responsible lending in the UK, where loans and financial guidance both are provided. If your financial scenario is not contented, you can take the following measures to strong chances for bad credit loans on guaranteed approval with no guarantor.

Why Choose Loanorganisation for unsecured loans with no guarantor?

With Loanorganisation, you meet with our financial experts who understand your financial condition as well as your financial obligation. We know that not every time you have the same situations. Sometimes you have financial prosperity, while sometimes, you lack financial stability.

Therefore, we offer unsecured loans with no upfront fees and no guarantor.

The current situation of the pandemic has brought some expensive financial products. It has also paved the way for strict lending criteria when it comes to conventional lenders. It makes it harder for people to access funds at crucial times.

If you are ready to avail of tailor-made loans deals and you trust us, contact us today. We solve each query and invite you to grab the benefits of no guarantor loans.


What is a non-guarantor loan?

As the name suggests, non-guarantor loans are provided without having a guarantor for your loan amount. Many times you face a challenge in finding a person who can be the guarantor for your loan. However, lenders accept your friends or family member to be your guarantor but require a good credit history and homeownership from the guarantor. This, at times, becomes a big challenge.

For such typical cases, specialised loans are provided where there is no need for a guarantor. These loans can be taken even if you don't have a satisfactory credit rating.

What are the advantages of loans without a guarantor?

Loans without guarantor come with a lot of advantages such as,

  • When your credit score is not satisfactory to get you a regular loan, you need to search hard for a guarantor. In such cases, a no-guarantor loan provides you with the loan amount and saves you a lot of your precious time.
  • Since there is no guarantor involved, these loans work instantly. You do not need to depend on any other person while applying for the loan. Non-guarantor loans with can even be availed as early as one to two hours.
  • If you have financial troubles, no need to find a guarantor and jeopardise your relationships. No need to put pressure on anyone. Just take the loans without a guarantor and keep your relationships intact.

Can you get the loan without a guarantor?

Yes, you can get a loan without a guarantor with Our financial experts understand your financial plight obligations. You may have a bad credit score as of now. You would be facing trouble in finding a person who can take your guarantee.

We understand that you might be in a tough spot today, but you may have financial prosperity in the future. Hence you can get unsecured loans from without any fees, at competitive interest rates, flexible loan repayment schedule and absolutely without any guarantor.

What loan does not usually require a guarantor?

Loans for a shorter period and personal use for a limit on loan amount are the loans that can be given without a guarantor. Personal loans being taken for wedding expenses, house renovation or improvement, holidays, to improve your credit score, or for your financial needs, car or automotive repairs, or urgent medical expenses are generally the ones that can be taken without a guarantor. These are the loans that come under unsecured personal loans that do not mandate a guarantor's need.

What is the easiest loan to get approved for?

If you have some personal needs for which you need a quick loan of a certain limited amount, unsecured loans are the solution for you. These loans do not require you to get a guarantor for your loan application. Hence, they are quick in nature.

These are loans without any guarantor, which can be sanctioned the fastest as they do not involve collateral or the guarantor. Hence, no documentation or verification is required in the process. This fastens the process of making the loan amount available to you.

Is a guarantor loan secured or unsecured?

These loans are provided without any guarantor taking the responsibility of repayment of loans. It means, if you miss out or fail to make a repayment instalment, there is no one else responsible for it.

Also, the lender does not have any security with which the loan amount can be recovered. The risk lies with the lender. Hence such loans, without a guarantor, are considered under unsecured loans categorisation. These are also termed short-termed personal loans, which can be taken for a specific amount limit.

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