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Guaranteed Loans

No Fees
High Approval Rate
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Borrow a Loan From £100 – £5,000*


Quickly Search Multiple Lenders To Find The Best Deal


Most Loans Are Paid on the Same Day

Always Open

Apply Anytime, 24 Hours, 7 Days a Week


Safe & Secure Online Technology

Rates from 12.9% APR to 1625.5% APR. The Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

WARNING: Late repayment can cause serious money problems. For help, visit moneyhelper. LoanBird are a licenced credit broker, not a lender. LoanBird does not make credit decisions.

3 Steps to Discover High Approval Loans

Step 1
Firstly, select the loan amount you want and how long you would like to borrow it for.
Step 2
Once you’ve submitted all your information, you will receive a fast decision. We'll show you your options from our panel of direct lenders – review and choose the offer that suits your needs!
Step 3
Finally, once you have accepted the loan, the lender will send the cash straight to your bank account. Most customers receive the cash on the same day, within 60 minutes.

Looking for loans with high approval rates? LoanBird offers a simple approach, and while truly guaranteed loans are very hard to find due to necessary financial checks, we specialise in connecting you with lenders who offer high chances of approval, even for bad credit. As FCA-authorised brokers, we ensure responsible lending practices with our FCA-approved lenders. Our free-to-use platform can quickly match you with pre-approved offers, using a soft credit search that keeps your score safe, balancing your needs with realistic lending criteria. Discover near-guaranteed loan options up to £5,000 with LoanBird today by clicking ‘Apply Now‘ to see how we can help you.

Where Can I Easily Find Guaranteed Loans?

Finding a lender that can provide guaranteed loan approval isn’t easy, so those searching for 100% guaranteed loans more often than not will be disappointed. If a lender offers loans with guaranteed approval, it can mean people that can’t afford the loan or are already in financial difficulty could struggle further. A balance is needed, and this is why no lender can guarantee a loan will be approved.

Here at LoanBird, (depending on your circumstances) we might even be able to find lenders willing to offer guaranteed loans for bad credit on a pre-approval basis. However, it’s important to note – we cannot guarantee you will be approved by the lenders we are able to connect you with, this depends on your financial situation.

As Financial Conduct Authority (FCA) authorised brokers, what we can help you with is a swift loan search whether your credit rating is good or bad, to find direct lenders who are willing to help. Our panel of lenders consists of only FCA approved direct lenders, ensuring responsible lending guidelines are followed with every application.

Although guaranteed loans are not entirely possible, we provide the next best thing – and our platform is completely FREE to use. It only requires a few personal details from you as well as information about the type of guaranteed loan you are looking for. You’ll then see who from our panel of lenders you are pre-approved for – simple!

To provide you with lender offers, we conduct a ‘soft search’ of your credit file to check your credit history, helping to determine the right lender for you. If we do, you could borrow up to £15,000 with easy acceptance loans in the UK, depending on the type of loan you want and the choice of lender you make. Rather than seek 100% guaranteed loan approval with no credit check, try our FREE online search today to see how we can help you.

loanbird offers a service close to guaranteed loans

The Benefits of Guaranteed Loan Alternatives at LoanBird

Quick and easy online application

Find if you can get a guaranteed loan approval up to £5,000

Apply for high approval loans online from anywhere

Instant decision loans guaranteed, same day cash

High approval loans, personal loans and more

Over 30 FCA authorised lenders to try and find guaranteed loans in the UK

If pre-approved, guaranteed loans for bad credit available

Cash in your account within 60 minutes after approval

No brokerage fees – completely FREE to use!

How to Find as Close to Guaranteed Loans in the UK

A guaranteed loan, whilst not guaranteeing your approval, does provide assurances for certain things. For example, at LoanBird we can guarantee you will not be charged any hidden fees or brokerage charges by us to introduce you to our panel of lenders – this ensures you are using our FREE online service as intended.

We can also guarantee our service is quick and easy to use, needing just one application form to see and compare multiple loan offers. So, if guaranteed acceptance loans are what you seek, the closest we can get to a guaranteed loan is our approach to helping you filter out direct lenders you’re not eligible for. No lender or broker can guarantee approval before assessing your application, but at LoanBird, we aim to help you refine your search to find those most likely to help you.

You may find other lenders that are unable to pre-approve your application, which means you will have to undergo a ‘hard search’ of your credit file just to see if you are eligible. This can negatively impact your credit rating if declined and is something you won’t experience with us.

Our intelligent platform helps our customers avoid unnecessary hard searches, helping to find the right loan every time. Guaranteed loan pre-approval shows you who you are most likely to be successful with based on your circumstances. This reduces the number of applications you need to submit and the potential for more declined decisions.

You’ll be able to review the offers presented to you from our panel and make savvier financial decisions, all thanks to this approach. Enjoy not impacting your credit file further and use our easy acceptance loans UK lender finder to see what’s available before you fully apply.

Are You Eligible for Guaranteed Loans Alternatives?

Our eligibility criteria for alternatives to guaranteed loans in the UK is simple, and this is so that we can help as many people as possible find the cash they need, whatever the situation. Whether you need an alternative to guaranteed short term loans over a few months, or something larger in value like an alternative to guaranteed personal loans over a few years, we can help you discover these loan offers quickly and fairly, providing satisfaction for all applicants. You can use our online service to seek the next best thing to guaranteed loans if you meet the following:

At least 18 years of age

A current UK resident

Hold a UK bank account with a valid debit card

Receive a regular income

Meeting the above ensures you can click Apply Now and see your available offers today. As part of your application, you will be required to provide supporting documents to alternative guaranteed loan lenders. This will include proof of identity, proof of address and your most recent bank statements. Ideally, you will already have these documents to hand so that the lender can assess your application as quickly as possible.

Once you’ve selected a lender offer and if your application with them is successful for the loan terms you requested, the funds will be deposited into your bank account fast – our lenders aim to do so within 60 minutes of signing your loan agreement, if your bank supports faster payments.

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Discover Offers as Close to a Guaranteed Loan With LoanBird Today

If you want the next best thing to a guaranteed loan and discover lender offers pre-approved, use our FREE platform today at LoanBird. We’ve helped hundreds of customers like you find pre-approved offers, even with a bad credit history, and get the loan they need quickly. Whether you quickly need a payday loan with guaranteed approval in the UK to help in an emergency, or need a loan with repayments over a few years, use LoanBird today to find suitable options for you,

If you have any questions, please get in touch with our team today, or browse our FAQs for further helpful information. Remember, a lender cannot guarantee a loan before credit and affordability checks are completed, so once you have chosen a pre-approved lender offer, a full decision will be made by the lender. As we are a loan broker, we do not make lending decisions ourselves, so if you have any questions about a recent application, please contact your chosen lender direct.

Guaranteed Loan FAQs

If you find a direct lender offering guaranteed loan approval, there is a good chance it’s too good to be true. We’re an FCA authorised broker and we only work with an FCA approved panel of direct lenders, none of whom can guarantee a loan before an application is fully assessed. Using trusted lenders will help to protect you from lenders looking to take advantage of your financial circumstances. We recommend to always check the terms of any loan you find to ensure there are no hidden fees and you are happy with the terms offered. Only after a full assessment of your finances and a credit check can a lender provide you with a guarantee you have been accepted. At LoanBird, our service helps to connect you with lenders who are in the best position to help you.

We do not require you to have a guarantor to use our FREE service at LoanBird, however, we can help you find guarantor loans if this is something you require. If you have a history of poor credit or have been declined recently, you may find some lenders will ask you to provide a guarantor – someone with good credit able to co-sign your credit agreement, however we work differently. We’ll connect you with lenders who can offer you the loan you need based on your current finances with no guarantor required. You can choose to apply for a joint or guarantor loan, but this isn’t a requirement when looking for loans with guaranteed approval in the UK through us.

You can request the repayment terms you want during your application by telling us the amount and repayment length you need. We’ll try to match you with lenders who can provide this. Some lenders may be able to offer a loan close to these terms if they cannot offer exactly what you want, but you’ll be free to review the offers after clicking apply now and choosing the best match. We want you to have as much flexibility as possible so that our lenders can closely match the loan you’re looking for, with most providing monthly repayments from 1 month up to 36 months. Repayments will then be taken automatically through either a direct debit or Continuous Payment Authority (CPA). All you’ll then have to do is ensure the funds are available before the payment is due.

We can help you find same day loans so that if approved you can get the funds you need fast, however, this cannot be guaranteed. Our FREE panel of lenders search helps you discover high approval loans, but guaranteed acceptance cannot be offered until full credit and affordability checks are completed. If successful with the lender offer you choose, you can get the funds the same day where possible within 60 minutes.

We are happy to help those with a poor credit history, so long as the repayments are affordable and sustainable for you. Whilst they cannot be fully guaranteed, if you do have a low credit rating, we’ll help to match your details with suitable lenders from our panel who are best placed to offer loans for those with bad credit. To have the best chance of being successful, you’ll need to ensure that the loan you want fits your budget and that this won’t cause any financial difficulties during your chosen loan term. If the lender can also determine this, there’s a good they can help.

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