No Guarantor Loans

£50 £2,000
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due Tuesday 25th Jun
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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
Ticket Loan £595.92
Loan Pig £595.92
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%

When faced with an unexpected expense and you have a low credit score, finding loans with no guarantor required may seem difficult. Here at Fast Loan UK, we can help alleviate the stress when searching for financial help with no guarantor loans that provide affordable, flexible repayments.

Our loans are accessible as we do not require you to provide a guarantor and are based on your affordability rather than just your credit rating. If you need loans for bad credit with no guarantor, we can look to help you today with short term loans that fit your budget.

We take pride in our responsible lending practices, which enable us to offer no guarantor loans in the UK. Our commitment to exceptional customer service sets us apart, helping to provide a quick decision on no guarantor loans up to £2,000, accompanied by flexible repayment terms that align with your budget. As a new customer, you have the option to repay your no guarantor loan in weekly, fortnightly, or monthly instalments over a period of up to 8 months. If you have borrowed from us before, you can extend the repayment period to 12 months if you need to.

To get started, simply choose how much you want to borrow and how long you want to repay for, fill in our quick application form by clicking apply now, and we’ll provide a decision in principle fast.

What are No Guarantor Loans?

No guarantor loans enable you to apply for direct lender loans without having to provide a guarantor to co-sign your agreement, even if you have a low credit score. If you don’t have the best credit rating, some lenders may require you to provide a guarantor in order to be approved for a loan. Many lenders who provide guarantor loans do so as it presents a lower risk to them if you then cannot keep up with the repayments. In this scenario, the person who co-signed the credit agreement as your guarantor will then be responsible to pay.

While this can, but won’t always, help you get a cheaper rate, it can be difficult to find a friend or family member who is willing to act as your guarantor, and you might not want to ask them to risk their credit score for you to get loans for bad credit.

At Fast Loan UK, you can apply for loans for bad credit with no guarantor, so if you have the funds to afford the repayments and sustain them, there’s a chance we can help. Whether you’ve had difficulty finding a suitable guarantor or you’d simply rather have the loan agreement in your name only, we can provide affordable loan options.

Whilst we cannot guarantee every loan application will be approved, we can look to help applicants who do have a poor credit history and have been refused elsewhere for payday loans or other forms of credit. Our no guarantor loans do not require you to have a certain credit score either – we simply want to ensure that you’ll be able to sustainably afford the repayments.

Eligibility For a Loan With No Guarantor

If you’d like to apply today for loans with no guarantor, you will need to meet our eligibility criteria first. You will need to:

  • Be at least 18 years of age. 
  • Be a current UK resident. 
  • Have a bank account and a valid debit card. 
  • Receive a regular income from full-time or part-time employment.

If you meet these requirements, we are happy to welcome an application from you for no guarantor loans. You may need to provide supporting documents with your application for loans without a guarantor in the UK, including photo ID, proof of address and your most recent bank statements.

All you have to do is fill in our short application form telling us how much you need to borrow, and how long you’d like to repay it for. We’ll also ask some straightforward questions about you, your finances and your employment status – don’t worry, we’ll never contact your employer.

When we receive your application, we’ll carefully consider if it’s the right fit for your finances. To do this, we look at your regular income and outgoing payments and determine if you could sustainably afford the loan with no guarantor. We take our responsibility as a lender seriously and would never approve a loan if we thought it might lead you to further financial difficulties.

If we can approve your no guarantor loans application, we’ll provide an agreement in principle immediately. If we do need any more information from you, you’ll receive a call from your personal Customer Care manager, which will only take around five minutes of your time.

Loans For Bad Credit With No Guarantor

If you are considering a emergency loan, it is always a better situation if you can resolve a financial emergency without the need to borrow money. If you have available savings or credit already, we recommend checking this first and then applying for our no guarantor loans for bad credit as a final option.

As responsible lenders following Financial Conduct Authority (FCA) guidelines, we will need to conduct a credit check to view your financial history to be able to approve no guarantor loans for bad credit. It may be tempting to choose a lender who does not perform credit checks, however, all authorised lenders in the UK are required to carry them out. This means that if you choose a lender who does not run credit checks, you may not be covered by the protection of the FCA.

At Fast Loan UK, whilst we do perform credit checks for all applicants, your current credit rating will only be one factor in our decision-making process. This is how we can offer loans for bad credit with no guarantor, as it’s much more important to us that we’re lending responsibly, so if we can see that you can sustainably afford your no guarantor loan, we could still look to help you.

see that you can sustainably afford your no guarantor loan, we could still look to help you. If it is the right option for you and you cannot resolve an unexpected expense through other means, you’re welcome to apply today for our loans for bad credit with no guarantor. If it’s your first time applying with us, the maximum loan amount you can choose is £800 with repayments terms available of up to 8 months. Click apply now if you want to begin your application.

Why Choose Fast Loans for No Guarantor Loans?

If you take out a loan with no guarantor with us, you can be sure that we will always put your best interests first. As FCA authorised, responsible lenders, we’re always fully transparent about our no guarantor loans and will be happy to answer any questions you may have. Whether you are someone that is seeking wedding loans to spread the cost of your big day, or looking for car repair loans to help with an unexpected repair bill, we can look to help no matter your current credit score, as long as you can afford to sustain the repayments.

We are always transparent with our loan terms, so you can see exactly how much a loan with no guarantor may cost you. There are no hidden fees either, and we only charge you interest for the days that you borrow for, enabling you to settle your loan early if you want to and possibly save money on the total interest charge. If we’re able to approve your application, we’ll always process your loan as quickly as possible and use the Faster Payments System (FPS) to ensure the cash is in your bank account fast. This is usually within just 15 minutes of you digitally signing your loan agreement.

Ready to apply for no guarantor loans today? Click apply now or log in if you are a returning customer. To learn more about Fast Loan UK, you’ll find further information here about us and our commitment to responsible lending. If you have any questions, please contact us and we’ll be happy to help with your query.

No Guarantor Loans FAQs

Can I apply for a loan without a guarantor?

Yes, at Fast Loan UK we do not require you to provide a guarantor, even if you have a poor credit history. If you meet our eligibility requirements and can afford the repayments you need on a loan, we can look to help. We cannot guarantee approval, however, so it’s a good idea to check you can afford repayments before you apply for no guarantor loans, and only choose the loan amount you need rather than the maximum amount and term available.

What’s the maximum I can borrow with a no guarantor loan?

This will depend on if you are a new customer with us or have borrowed before. First time customers are eligible for no guarantor loans up to a maximum of £800. If you have had a loan with us before and this is now settled in full, you may be eligible to apply for up to £2,000. Whether you are a new or returning customer, your application will be subject to credit and affordability checks.

Representative example:

Borrow: £500 over 16 weeks. 4 repayments of £183.59. Total amount payable £734.36. Interest rate: 151.4% pa (fixed). Representative 766.18.% APR.

Do I need a good credit score to apply?

We understand not everyone will have a good credit score, and this doesn’t necessarily mean you cannot afford a loan. That’s why we can help provide loans for bad credit with no guarantor where possible, as long as the repayments are sustainable for you. You should carefully consider whether you need to borrow money when you have a poor credit history and only apply if you can afford to do so. Keep in mind that if we cannot determine this, we will have to decline your no guarantor loans application.