No Guarantor Loans

£50 £2,000
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£0 borrowed over 0 days
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due Saturday 28th May
Total payable £
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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.

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

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When you’re faced with an unexpected expense, trying to find loans without a guarantor can be difficult, especially if you don’t have a perfect credit score. Here at Fast Loan UK, we take the stress and fuss out of loans with no guarantor, and offer fast loans based on your financial circumstances.

We’re able to offer loans without a guarantor in the UK thanks to our responsible lending practices, and pride ourselves on the customer service we offer. We offer loans of up to £2,000 with flexible repayment terms that work with your budget. You could repay your no guarantor loan in weekly, fortnightly or monthly instalments over up to eight months as a new customer, or 12 months if you’ve borrowed with us before.

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 loans with no guarantor, and will be happy to answer any questions you have. To find out more, see our How It Works and FAQ pages, or contact Fast Loan UK and we’ll be happy to help.

To get started, simply use the handy loan calculator tool above to work out the best option for your circumstances, and fill out our application form online. Start your application today by clicking apply now.

What are No Guarantor Loans?

If you don’t have the best credit score, 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 an emergency loan.

Whether you’ve had difficulty finding a suitable guarantor or you’d simply rather have the loan agreement in your name only, at Fast Loan UK we may be able to help with affordable loan options. Whilst we cannot guarantee every loan application will be approved, we are able to help applicants who do have a poor credit history and have been refused elsewhere. Our no guarantor loans don’t require a certain credit score – we simply want to ensure that you’ll be able to sustainably afford the repayments.

Apply Today for Loans Without a Guarantor in the UK

No form of credit comes without risks, so before you begin your application with us, we recommend that you fully consider all available. This is because 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 as a final option.

Once you have decided to proceed, all you have to do is fill in our short application form. Here, you’ll let us know the loan amount you need to borrow, and how you’d like to repay it. We’ll also ask some straightforward questions about you, your finances and your employment status – don’t worry, we’ll never contact your employer for any reason.

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 amount you have applied to borrow. 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 are able to approve your no guarantor loans application, we’ll provide an agreement in principle immediately. If we need any more information from you, you’ll receive a call from your personal Customer Care manager, which will take around five minutes of your time.

As responsible lenders following Financial Conduct Authority (FCA) guidelines, we will need to conduct a credit check to view your financial history. It may be tempting to choose a lender who does not perform credit checks, 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. 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 be happy to help you.

If we’re able to approve your application, we’ll process your loan and use a Faster Payment to ensure the cash is in your account quickly, usually within 15 minutes of you digitally signing your loan agreement.

Eligibility for Loans 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 resident of the UK
  • Have a bank account and valid debit card
  • Receive a regular income from employment

Provided you meet these requirements, we are happy to accept 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.

Ready to apply for no guarantor loans today? Click apply now or login 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.

Have any questions? Please get in touch with the Fast Loan UK team today and we’ll be happy to help with your query.