Guaranteed Loans

If you are looking for guaranteed loans, we can show you pre-approved lenders in 3 easy steps – here’s how:

Representative APR: 49.9% | Representative Example: Loan Amount: £1,000 over 12 months at £107.53 per month. Total Repayment: £1,290.36 | Interest: £290.36. Interest rate: 49.9% p.a. Fixed*.

Find out more about Guaranteed Loans

  • Step 1 - Apply

    Fill out our quick application form with a few details about the guaranteed loan you require along with your current finances; it takes just a few minutes.

  • Step Two - Decision

    We’ll provide a decision in seconds, and you’ll see a list of guaranteed loans in the UK, personal loans and more that you’re eligible for. All you have to do is choose the one you want!

  • Step Three - Cash

    Digitally sign your guaranteed loan agreement and receive the cash in your bank account within just 10 minutes!

Where Can I Find Guaranteed Loans Easily?

In an ideal world, finding a lender that can provide guaranteed loan approval would help more people find the funds they’re looking for. However, the problem with doing this is people that can’t afford the loan or are already in financial difficulty could make their situation worse. There is a balance needed and this is why no lender can guarantee your loan will be accepted. Here at LoanBird, whilst we cannot guarantee you will be approved by the lenders we can connect you with, we do offer guaranteed loans for bad credit that are pre-approved. As FCA Authorised brokers, we can help you whether your credit rating is good or bad, find lenders who are willing to help. Our panel of lenders consists only of FCA approved companies who are able to help if you have a less than perfect credit history. All you have to do is click Apply Now and see your available offers.

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 and 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. We conduct a ‘soft search’ of your credit file to check your credit history helping to determine the right lender for you. If so, you could borrow up to £15,000 easily, depending on the type of loan you want and the choice of lender you make. Try our search today to see how we can help you.

loanbird offers a service close to guaranteed loans

The Benefits of Finding a Guaranteed Loan at LoanBird

Quick and easy online application

Find guaranteed loans up to £15,000

Apply for guaranteed loans online from anywhere

Instant decision guaranteed loan finder

Choose instant guaranteed loans, business loans, personal loans and more

Find a guaranteed loan with no credit check required

Over 30 FCA authorised lenders of instant guaranteed loans in the UK

Instant bad credit loans available

Cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

How to Choose an Almost Guaranteed Loan

A guaranteed loan, whilst not guaranteeing 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. We can also guarantee our service is quick and easy to use, needing just one application form to see and compare multiple loan offers. The closest we can get to guaranteed loans is our approach to helping you filter out lenders you’re not eligible for. You may find other lenders that are unable to pre-approve your application. This 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.

Our intelligent platform helps our customers avoid this happening to them. 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 and make savvier financial decisions thanks to this approach, all without the concern of impacting your credit file further.

Eligibility for Guaranteed Loans

Our eligibility criteria for guaranteed loans is simple; we made sure it was this way so that we can help as many people as possible. We can offer guaranteed loans quickly and fairly, providing satisfaction for all applicants. You can apply for our instant guaranteed loans if you are currently:

At least 18 years of age

A resident in the UK

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 by lenders of guaranteed loans to provide supporting documents. 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. If the application is successful for the loan amount you request, you could have the funds deposited into your bank account within 10 minutes, if your bank supports faster payments.

a pretty woman going through bills at home

Apply Today for a Close to Guaranteed Loan

If you want the next best thing to a guaranteed loan, use our platform today at LoanBird and we’ll see what we can do for you. We’ve helped hundreds of customers like you find pre-approved offers and get the loan they need quickly. Have any questions? Please get in touch with our team today, or browse our FAQs for further helpful information.


Guaranteed Loans FAQs

Can Any Lender Provide Guaranteed Loan Approval?

If you find a lender online offering guaranteed loan approval, there is a good chance it’s too good to be true. As an FCA authorised broker, we only work with an FCA approved panel of lenders, none of whom can guarantee a loan before an application. 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.

Do I Need a Guarantor for a Guaranteed Loan?

We do not require you to have a guarantor to use LoanBird, but we can help you find guarantor loans if this is something you require. Even if you have a bad credit rating, where some lenders may ask you to provide a guarantor, we work differently. We’ll connect you with lenders who can offer you the loan you need based on your current finances and only require a sole applicant. You can choose to apply for a joint or guarantor loan, but this isn’t a requirement for guaranteed loans.

How Do Repayments Work with Guaranteed Loans?

You can request the repayment terms you want during your application form. Tell us the amount and repayment terms you need, and 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 choose 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. All you’ll then have to do is ensure the funds are available before the payment is due.


Related Info to Guaranteed Loans:

100% Acceptance Loans

Short Term Loans

Payday Loans

0% Interest Loans

High Acceptance Loans