No Guarantor Loans

Want to find loans without a guarantor? Use our platform in 3 easy steps to find your offers – 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 No Guarantor Loans Online

  • Step 1 - Application

    Simply fill in our quick application form with a few details about your current finances and the terms of no guarantor loans you’re interested in; it only takes a few minutes.

  • Step Two - Decision

    We’ll provide a decision in seconds, and you’ll see a list of loans without a guarantor 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 no guarantor loans agreement and receive the cash in your bank account within just 10 minutes!

Find & Apply for Loans with No Guarantor through LoanBird

When you have a poor credit rating, it can be difficult to find the help you need online without lenders requesting a guarantor. A guarantor is there to support your application and is usually someone with a good credit rating and disposable income who will co-sign the agreement. Here at LoanBird, not only can we help you with guarantor loan lenders, but we can also help you find loans with no guarantor, even with bad credit. We can offer both types of lending as we are an FCA authorised broker, connecting you with offers from our panel of over 30 loan lenders who are also FCA approved.

Whether your income is from self-employment, full-time, or part-time work, and even if you have a history of bad credit, you can use LoanBird to find no guarantor loans from lenders willing to help today. To see your available offers, all you need to do is click Apply Now and within minutes you’ll see personalised pre-approved offers. The best part is we are completely FREE to use and no credit check is needed. We perform a ‘soft search’ of your credit file to provide the loans without a guarantor in the UK you’ve been looking for. All you then have to do is pick the lender you like the look of and complete your application – you could have the funds available in your bank account in just 10 minutes.

loanbird showing no guarantor needed when applying for loans

Benefits of No Guarantor Loans

Quick and easy online application

Find no guarantor loans up to £15,000

Apply for loans without a guarantor online from anywhere

Instant decision no guarantor loans finder

Choose instant loans with no guarantor, business loans, personal loans and more

Find lenders of no guarantor loans with no credit check required

Over 30 FCA authorised lenders of instant loans without a guarantor 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 the Right Lender of No Guarantor Loans

If you’ve struggled to find a suitable guarantor to help you get the loan you need, you may have had trouble applying for personal loans online. With LoanBird, it’s easy to find the right lender through us and you only need to provide a few personal details to get started. We don’t require you to have a large income or a good to excellent credit score, however, we need to understand your current financial circumstances to help match you to the right lender. The best way of doing this is by providing your income and expenditure monthly so show exactly your disposable income after essential bills. The lender of loans with no guarantor will then be able to see clearly what you can afford to pay and if their offer is right for you. This is all thanks to our intelligent platform that filters out lenders you are not suitable for, presenting who you have the best opportunity of being approved with.

Whilst we cannot guarantee any lender will approve your application, the pre-approval can improve your chances of picking wisely. When looking online for no guarantor loans, you may choose a lender after hours of searching, all without really knowing if you will be successful. Some will even perform a ‘hard search’ as soon as you hit apply, meaning an unnecessary negative impact on your credit file if declined. We help you take away that concern, leaving you with no guarantor loans lenders willing to assess your application fairly.

Are You Eligible for Loans Without a Guarantor?

Our eligibility criteria for no guarantor loans is simple so that we can help as many people as possible find the financial help they need. We can offer loans with no guarantor quickly and fairly, providing a first-class service for all applicants. You are eligible to apply for our loans without a guarantor in the UK 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 criteria will put you nearer to finding loans with no guarantor lenders today. As part of your application after choosing a lender, you will be required to provide supporting documents. This can include proof of ID, proof of address and your last few months bank statements. Once the lender has confirmed your identity and run a credit check, they will assess your finances based on the information from your bank statements. If they can determine you can afford their loan offer, they will then provide a digital loan agreement to sign. Once you have read and signed this, you could have the funds in your account within 10 minutes, but this will depend on the lender.

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Apply Today for No Guarantor Loans Easily

Heard enough and want to see your available offers? Then click Apply Now and begin your application today. If you have any questions before proceeding with an application, please feel free to get in touch with the LoanBird team. We have plenty of information throughout the website on the different loan options we can help you with but are available when you need us. You can also browse our FAQs and see our most common queries answered in one place.


No Guarantor Loans FAQs

Can I Trust the Lenders of Loans Without a Guarantor in the UK You Connect Me With?

Absolutely, our panel of lenders are all fully FCA approved and follow responsible lending guidelines. This includes fully assessing your finances to determine your affordability and performing a credit check to see your financial history. A lender will not lend to you unless they can see you can afford to maintain the repayments offered. As an FCA authorised lender, we are completely transparent with our customers on our service and the lenders available. This is why our service will remain FREE to use so you can fully determine the lender offers before agreeing to further borrowing.

What’s the Maximum Amount of Loans with No Guarantor I Can Borrow?

We can help customers find lending options between £500 and £15,000. The amounts available to you with no guarantor loans will vary depending on the lender. In your application form, you can provide details of the amount you want to borrow, with anything over £5,000 shown together. If a lender is willing to offer a higher amount above £5,000, then this will show in the list of lender offers. The lenders will be able to offer both short-term options for lower amounts and long-term options for higher no guarantor loans, but this depends on the details in your application and will not be the same for every applicant.

Can I Settle Loans Without a Guarantor Earlier than Planned?

Yes, most lenders will be happy to accept early repayment of the loan balance. You will need to contact them directly to do so and check whether any early repayment fee is due first. If you are happy to pay the early settlement fee, then it should be a quick process to clear the balance. We recommend checking the credit agreement terms before taking out the loan to check details such as an early repayment fee so that you are well informed.


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