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No Guarantor Loans


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Representative APR


Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount £1351.20 and total interest is £601.20. 12 monthly payment of £112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with

What Are No Guarantor Loans?

No guarantor loans are a type of unsecured loan that don’t require you to find a family member or friend to co-sign the loan. Applying for a no guarantor loan means you are able to apply to borrow money without a finding a guarantor to complete the loan application.

Loans without a guarantor are commonly used for personal, lifestyle and emergency purposes. This includes things like weddings, new cars, business requirements and even more pressing things like debt consolidation, household emergencies and vehicle repairs.

When you’re in urgent need of cash you can apply for a loan with no guarantor. This means another party is not required to agree to you borrowing from a lender. A short term loan where no guarantor is needed could be a suitable option for you if you’re unable to find somebody to help if you can’t cover the repayments yourself.

How to Get a Loan With No Guarantor

You can get a loan without a guarantor online or in high-street lenders such as banks. At My Financial Broker, we can find you a lender online that offers loans without a guarantor! We work with over 50 lenders who can offer no guarantor loans, with funds available on the same day of applying. Start by clicking on the apply now button below to get started. You will receive an instant decision on the screen with an offer from one of our partnered lenders, and then you have the option to proceed and if successful you will receive funds usually within 1 hour or less.

You may have the option to repay your loan early from one of our partners, and you will typically save money for doing so because you have accrued less interest overall.

Loans Without A Guarantor

There are many types of non-guarantor loans for different situations and people of varying credit histories. When you apply for a loan with no guarantor required, you are just working directly with the lender and there is more financial freedom.

Loans For Bad Credit With No Guarantor

Finding a loan without a guarantor can be challenging if you have bad credit, but there are no guarantor loans for bad credit in the UK that are available. My Financial Broker works with several direct lenders who can help with unsecured loans for people with bad credit. Our partners do not expect customers to have a perfect credit score, but instead want to see a steady flow of income, a regular employment, and a desire to make future payments on time.

Our lenders understand that many people do have a poor credit score, but if you can demonstrate your affordability and can prove you have a good record of making repayments on time, you are much more likely to be approved for loans for bad credit with no guarantor.

Benefit of a Loan Without Guarantor

No Burden Of A Guarantor

Sometimes finding a guarantor can be difficult, since you need someone who is willing to back you financially and agree to make payments if you default. When applying for a no guarantor loan, you have peace of mind knowing that you are not burdening another person to be your guarantor or being pressured. By working with the direct loan lender, you feel more in control of your money and the entire process from start to finish.

How Quick Can I Get a No Guarantor Loan?

Loans that don’t need a guarantor are typically paid out on the same day, and sometimes within 1 hour of approval. When you need to borrow money online you can apply for payday loans with no guarantor. Once you have completed the application process on our website and have been matched with a lender, there will be some final checks to verify your eligibility.

This includes some basic credit checks and affordability checks to confirm that you can afford the loan without failing into financial difficulty. Once successfully approved, the lenders we work with will usually have access to a faster payment system and can transfer funds to your bank account immediately.

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