With flexible repayment terms available and a selection of trusted direct lenders, our no guarantor loans at LoanPig are easy to apply for today. If you need to borrow cash up to £1500 over a short term period, maximum 12 months, we can help you as a direct lender and broker. All you have to do is tell us how much you want to borrow and how long for, fill in our application form and we’ll then match you with loans without guarantor that meet your circumstances.

To start your application for no guarantor loans today, use the sliders above and click apply now. You could be approved no matter your credit score in minutes, with same day cash available to cover any emergency expenses.


What are No Guarantor Loans?


No guarantor loans refer to a type of unsecured loan that requires no-one to co-sign the agreement as a guarantor. Requiring only a sole applicant, you can apply for loans without guarantor if you have good or bad credit, meaning they can be ideal for those who have struggled to find finance options online elsewhere. Usually when you have a low credit score, a lender may request that you provide a guarantor, who can be someone such as a relative or friend that isn’t already financially linked to you, who guarantees the loan for you. You would have to find someone who has a good credit score who is willing to take on this responsibility in the event you could no longer afford the loan.

The guarantor would sign the credit agreement along with yourself that states that if you (the borrower), are unable to pay back the loan, the guarantor will make the repayments, guaranteeing the loan. This present less risk for the lender in the event you fell into financial difficulties, such as losing your job. With loans with no guarantor that are available here at LoanPig, you avoid the hassle of finding a suitable guarantor and apply solely for the amount and terms you need. Whether you need a short term loan to cover an unexpected bill, or extra funds to help with your essential outgoings before your next salary date, we can look to help you today.


Loans With No Guarantor for Bad Credit


At LoanPig, you do not need a guarantor to start the application process as we take your current financial situation into consideration. This means if you have a low credit rating and are concerned you will be declined, there is every chance we can help find loans with no guarantor that match your circumstances. There is no minimum credit rating requirement to apply through us, instead just select the loan amount you require and monthly repayment term, and we or one of our lending partners will provide an instant decision. There are numerous types of no guarantor loans you can choose from depending on your situation. At LoanPig we can help you with no guarantor payday loans, cash loans, and emergency loans when you need them, suitable for use in the short term only.

We take responsible lending seriously, so when you are looking for loans without guarantor, we will conduct a number of affordability checks first. This will include looking at your credit history and assessing your affordability to ensure that the amount you have chosen over a period of 3 to 12 months is right for you. If we can see that the total repayment amount suits your needs and you can maintain them comfortably, we can look to approve an application for no guarantor loans even with a low credit score.


Responsible Lenders of Loans Without Guarantor in the UK


Something that at LoanPig are very proud of is our reputation for being a responsible lender and broker of loans without guarantor. We work closely with the Financial Conduct Authority (FCA) and are an authorised broker and direct lender. We look after our customers to keep our no guarantor loans as fair and secure as possible, working to responsible lending guidelines set out by the FCA. Each of the direct lenders of loans without guarantor in the UK we can connect you with are all trusted, FCA approved lenders. You can apply with confidence that your application will be treated fairly whether you have a good credit history or not and that we’ll only approve an application after careful assessment.

With LoanPig, you can rest assured that we only offer money to those who we feel will be able to pay it back. We do not offer no credit check loans with no guarantor in the UK as we need to assess your finances carefully. However, the credit check is one part of the approval process, so if you can demonstrate the ability to afford repayments, there is every chance you will be successful with your application.


Eligibility for Loans Without Guarantor


Here at LoanPig, we offer our customers the opportunity to borrow up to £1500 with no guarantor loans. If we cannot lend to you ourselves, we’ll introduce you to our panel of direct lenders who are in a position to help. To apply today, you will need to meet the following eligibility criteria:

– Aged 18 years old or over

– A current UK resident

– Have an active bank account with a valid debit card

– Be in permanent employment or receiving some form of disability/living allowance or a pension

If we or one of our lenders accepts your application for no guarantor loans, you can expect it to be paid into your bank account the same day. LoanPig has a representative APR rate of approx. 1261%. (292% pa fixed) The interest rate can differ depending on the total loan amount, but you will never payback more than double the amount you initially borrow from us. You also won’t be charged more than 0.8% interest per day. We recommend all applicants carefully check the terms of the loan before continuing with a lender so that you can be fully informed before signing.


Apply Now for Loans With No Guarantor at LoanPig


At LoanPig, we believe you don’t have to be put off applying for a loan just because you don’t have a guarantor. We accept all types of credit history, with our no guarantor loans allowing you to get the financial help you need quickly. If you have any questions about loans without guarantor in the UK, please get in touch with the team. If you are ready to start your application today, click apply now to see the available offers on no guarantor loans you are suitable for.


Warning: Late repayment can cause you serious money problems. For help, go to Money Advice Service

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No Guarantor Loans FAQs


Can Loans Without Guarantor Pay Out the Same Day?


Depending on the day and time you apply for loans with no guarantor, you can receive the funds on the same day. If your application is processed before 3 pm Monday to Friday, you can receive same day cash into your bank account. If you apply later than 3 pm or on a weekend or bank holiday, you can expect to receive the funds on the next working day. Each lender we connect you with may differ on their approval processing times, so you will need to check this before proceeding with a lender offer.


Do Loans Without Guarantor in the UK Require a Credit Check?


Yes, all applicants are required to have a full credit check performed with loans without guarantor in the UK. As FCA approved responsible lenders and brokers, at LoanPig we need to ensure you can afford the loan you apply for. If you are concerned about having a credit check due to a poor credit history, the good news is we can still help you as long as you have the proven affordability. Whilst we cannot guarantee you will be successful, we can help those with poor credit even if you have been declined elsewhere recently.


How Do Repayments Work with Loans with no Guarantor?


After your no guarantor loans application is approved and your digital paperwork is signed, a Continuous Payment Authority (CPA) will be setup on your bank account. You won’t have to do anything apart from ensure that enough funds are available in your bank account before each payment. Many lenders will send you a reminder a few days before its due date, then automatically take payment if the available funds are there on the scheduled repayment date. Your credit agreement will also detail your repayment schedule so ensure that this is manageable each month.


What Happens If I Miss a Repayment on No Guarantor Loans?


If you feel you will not have the available funds in time for your payment date, you should contact the lender as early as possible. They will be able to agree on a suitable timeframe to make repayment. According to the terms in your credit agreement, you may be charged a late payment penalty. Continuous late repayments can cause you to have serious money problems. For help, visit The Money Advice Service or Citizens Advice.