No Guarantor Loans, Fast Approval & Flexible Repayments

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The cost of borrowing £300 over 6 months:

Fast Loan UK £507.48

Mr Lender £544.00

Cashasap £556.23

Lending Stream £579.00

Money Platform £586.26

Savvy £595.00

QuidMarket £596.46

Cash4unow £599.82

Fernovo £595.92

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Ticktock Loans £595.92

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Loan Pig £595.92

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Moneybag £600.00

Proud to offer the cheapest instant short term loans in the UK

Compare our loans to other lenders here

Warning: Late repayment can cause serious money problems. For help, go to moneyhelper.org.uk

Representative example:

Borrow: £300 over 8 months. 8 repayments of £70.31. Total amount payable £562.44. Interest rate: 130.21% pa (fixed). Representative APR: 840.75%

Unexpected bills are stressful. An MOT failure, a boiler breakdown, a missed shift that shrinks your paycheck. If you don’t have savings to lean on, it can feel like your options are limited. That’s where no guarantor loans can help. They’re designed for UK adults who want a straightforward way to borrow in their own name, without involving anyone else. At Fast Loan UK, our goal is to provide loans with no guarantor that are fast, transparent and fairly priced, so you can deal with today’s emergency and move on with confidence.

The UK’s regulator, the Financial Conduct Authority (FCA), requires every responsible lender to check affordability before lending, so the amount and term should suit your circumstances, not stretch them. We build our process around that principle and the people behind the application.

What Are No Guarantor Loans?

A no guarantor loan is an unsecured personal loan approved without a co-signer. Instead of relying on a guarantor’s credit standing, the lender reviews your income, regular expenses, credit history and overall ability to repay. This makes a loan without a guarantor a private, faster route for people who can demonstrate affordability but don’t want, or don’t have, someone to back their application.

Because you can borrow money in your own name, you make the repayments and you build (or rebuild) your creditworthiness. For urgent one-off costs, some borrowers consider payday loans no guarantor due to speed; others prefer slightly longer terms with fast no guarantor loans that spread repayments over a few months. Either way, the best choice is the one you can comfortably afford.

Who Are These Loans For?

No guarantor loans can suit lower and middle-income households and anyone facing a short-term gap, like covering a car repair to keep working, replacing a broken appliance, or paying an unexpected bill before payday. FCA research shows millions still feel burdened by bills and credit commitments; that’s why it’s crucial to borrow only what you need and to choose a lender that supports you if circumstances change.

If you prefer to keep your finances private, loans with no guarantor avoid awkward conversations with friends or family. And if your credit isn’t perfect, a loan without a guarantor can still be possible when affordability is proven. Our decision looks at the whole picture, not just a score.

How Do No Guarantor Loans Work at Fast Loan UK?

Applying is simple and handled online from start to finish. You tell us how much you need and for how long; we run standard credit and affordability checks; you review a clear breakdown of costs and the repayment schedule; and, once approved, funds can be sent shortly after. Because we’re a no guarantor loans direct lender, you deal with us only, with no brokers adding delays.

We’re flexible on amounts too. For smaller needs, many customers choose our £200 loans; for bigger one-offs, our £1,000 loans may be more suitable. You can access larger bad credit loan amounts after you’ve successfully paid back a smaller loan. First-time customers with us can borrow up to £800 and choose repayments of up to 8 months, whilst returning, trusted customers may be eligible for up to £2000 and a maximum repayment term of 12 months. If keeping costs low is your priority, explore our low APR loans and affordable loans pages for options and guidance.

Speed, Costs and Regulation: What to Expect

When you’re searching for fast no guarantor loans, speed matters, but so does price and protection. UK short-term lending is heavily regulated. The FCA sets rules that require lenders to check creditworthiness and affordability before approving a loan, with the emphasis on whether repayments are sustainable for you.

If you’re considering payday loans with no guarantor, note there’s a national price cap on high-cost short-term credit: interest and fees must not exceed 0.8% per day; default fees are capped at £15; and the total you ever repay is capped at 100% of the amount borrowed. These protections exist to prevent costs spiralling if you hit a bump.

Good to know: many UK lenders collect repayments via a “recurring card payment”, also called a continuous payment authority (CPA). You have rights here, so if you need to change how you pay, you can withdraw that authority by contacting your bank or card issuer. We’ll help you set an affordable alternative when needed.

Finally, always deal with authorised firms. You can check any company (including us) on the FCA’s Financial Services Register before you borrow money.

Direct Lender Vs Broker: Why It Matters

A broker introduces you to lenders and may pass your details to several companies. Some borrowers prefer to avoid that and go straight to a no guarantor loans direct lender like Fast Loan UK. Dealing directly can mean clearer communication, fewer hand-offs and faster decisions. If you do use a broker, understand they’re acting as an intermediary rather than the lender itself.

Because we operate as a no guarantor loans direct lender, you’ll know exactly who is assessing your application, who to contact if you need help, and who holds your data. That’s a simpler, more transparent experience from quote to final payment.

Eligibility and Affordability

To apply for loans without a guarantor with us, you must be:

Aged 18 years or over
Current UK resident
Be in Full-Time, Part-Time or Self-employment
Receive a regular income
Have a valid bank account and debit card

Beyond this, decisions come down to affordability: what you can reasonably repay after rent, bills, food and essentials. The FCA’s rules require lenders to assess creditworthiness and affordability proportionately; we follow that by asking only for information relevant to making a fair decision.

If your credit record has previous blips, that doesn’t automatically rule out a loan without a guarantor. We look at income stability, existing commitments and the size/length of the loan requested. For some, a smaller amount over a slightly longer term can be the responsible middle ground, often a better option than stretching with payday loans no guarantor that must be repaid on your next wage.

No Guarantor Loans FAQs

Are no guarantor loans the same as payday loans?

Not exactly. A no guarantor loan simply means you borrow without needing someone else to co-sign or guarantee repayments. The loan is based on your own income, credit history, and affordability. A payday loan no guarantor is one specific type, usually for smaller amounts (e.g. £100–£500) that can be repaid in full by your next payday or over short-term instalments. Other no guarantor loans may allow longer terms with instalments over weeks or months, giving more breathing room. Payday loans tend to carry higher daily interest rates, while longer-term no guarantor loans may spread the cost more manageably if repayments are affordable.

Can I get a loan without a guarantor if I have bad credit?

Yes, it is possible to get a loan without a guarantor, even if you have a poor credit history. No guarantor loan lenders like us focus on your ability to repay now, rather than only your bad credit history. We just need a few personal and financial details so we can review your monthly income, essential outgoings, and current commitments to check affordability. While a guarantor can help secure approval for some people, it’s not the only route. With a no guarantor loan, the decision is based on your own finances. If you can show stable income and room in your budget, approval may still be possible despite having a bad credit history.

How fast can I receive the money?

The speed of receiving funds depends on the lender, but with us being a no guarantor loans direct lender, the process is streamlined. Once you complete your online application, we run affordability and credit checks quickly, often providing a decision within minutes. Once the loan agreement is signed, funds can be deposited into your bank account on the same day in many cases, depending on the time you apply and your bank account's processing speed. Because there’s no guarantor involved, the application is quicker, with less paperwork and fewer delays. This makes no guarantor loans a practical option when you need money urgently.

Will applying affect my credit score?

Yes, applying for a loan without a guarantor will typically involve a credit check, which can impact your credit score. Most lenders run a “hard” search when you apply, and this appears on your credit file. A single application won’t usually harm your score, but multiple applications in a short period may raise concerns for future lenders. Repaying your loan on time can actually help improve your credit record over time, while missed or late payments can damage it further. That’s why it’s important to borrow only what you can afford and to repay as agreed. Responsible borrowing builds trust.

No Guarantor Loans