No Guarantor Loans

Quotes in 2-minutes for £100 to £5,000 bad credit loans without a guarantor 👍

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 10:54 PM

  • 3-minute online application
  • Up to 35 UK lenders
  • Instant online quotes
  • No obligation
  • No fees - we are a free service

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

All Credit Loans is a licensed credit broker and not a lender.

Representative APR: 79.5% (variable)

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Subject to affordability and your credit score.

What’s a no guarantor loan?

A loan for people with bad credit that does not need a guarantor

👍 Available from £100 to £5,000*

👍 Repay over 3 to 60 months*

👍 Designed for people without a guarantor

👍 Over 35 UK lenders providing a huge range of options


* Loan amount & repayment terms will depend on your chosen lender and your personal circumstances.

  • one quick form
  • over 30 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • fully secure

Frequently Asked Questions

Our lenders fastest loans can get paid out in less than 1-hour 👍

  • See our ‘Featured Fast Loan Deals’, where you can see that many lenders payout within an hour of approving your loan application, which can sometimes be done within minutes.

However, that the time it will take a lender to pay out loan funds will depend on:

  • You accurately filling out their application form
  • If the time of your application is within or outside their working hours (weekends and bank holidays can take longer)
  • How busy your chosen lender is at the time of your application
  • Your chosen lender (some are faster than others)
  • The amount you’re looking to borrow (larger amounts can require more checks)
  • Whether it’s a guarantor loan or not (guarantor loans typically take longer)

From £100 to £5,000 😀

  • No guarantor required – £100 up to £5,000* (99.8% Representative APR)

The amount you can borrow depends on:

  • Affordability – if you can show a regular income and you can comfortably afford the repayments

* The maximum amount our no guarantor lender offers regularly changes. Get quotes to find your loan options for the amount you’ve selected.

4 easy steps

  1. Fill out our simple online form (normally takes 2-minutes)
  2. Our cleaver automatic system sends your details to over 30 lenders and gets quotes from those who’ve pre-approved your application (takes about 20-seconds)
  3. Compare all quotes on our easy to read compare table
  4. Apply with your preferred lender (this will typically take another 2-3 minutes)

No 👍

  •– we will never ask you for an upfront fee, and this website is completely free for you to use, see How We Earn Revenue.
  • Our Lenders – we do not work with lenders who charge upfront fees.
  • Using this website – NO

When you get quotes via this website you will not be credit checked, so there is zero impact on your credit file 👍

  • Completing your application with a lender – YES

Our lenders specialise in helping people with a poor credit rating, so do not worry if you have a few missed payments or CCJ’s 😀

When you submit your application with your chosen lender, they will perform a full credit check to protect you, ensuring your application is not fraudulent, with ID verification checks, and others.

Very safe 👍

We are fully regulated in the UK by the Financial Conduct Authority (FCA), see:

  • Authorised and regulated by the FCA. Permission Reference Number – 715726
  • Registered with the Information Commissioner’s Office – ZA535774
  • is a trading style of Max Your Finance Limited
  • Registered Office: Airport House, Suite 43-45, Purley Way, Croydon, Surrey, United Kingdom, CR2 0XZ. Registered in England & Wales, Company Number – 09737098

More Questions

Get quotes to find out 📰


The cost will depend on:

  • The amount you borrow (larger loans typically cost more)
  • Over what period of time
  • The fees and interest rates charged by the lender

To find the cost, select your loan amount and loan term on your loan slider and get quotes.

Worry not, we only work with the very best specialist UK lenders 👍

This is where we add value to you, finding you borrowing options that would be very difficult to do by just “searching Google”.

All our lenders are

Anything (as long as its legal and moral) 😀

Our lenders typically do not put restrictions on how you use the loan funds so long as its both legal with the UK, and moral. Our clients typically use their loan funds for:

  • Vehicles – repairs and replacement
  • Emergencies – some cash to pay for an unexpected emergency
  • and more

Typically lenders use the Faster Payments system to ensure the immediate money transfer

  • From the lender’s bank account
  • To your bank account (except for a guarantor loan, where this will get paid to your guarantor)

So, you will need a UK bank account into which the payment can be made.

Yes, but this can be good

When getting a loan can help 👍

  • When you take out an unsecured longer-term loan (typically 6 months plus) and make all the repayments in full, on time, and repay the loan in full as your loan’s agreement. Doing this will help your credit file as it shows other lenders that you are a responsible borrower.

When getting a loan can hurt 👎

  • If you miss payments, make late or reduced payments.
  • Some lenders of larger loans (mortgage, near-prime unsecured) also are not keen on short term finance such as payday loans; in their opinion, this shows the borrower is struggling to meet their day to day commitments.

Can be paid out the same day 😀

Guarantor lenders can pay-out the same day of a fully completed application, but this required

  • You – fully and accurately completing your application, including income and expenditure details, along with supporting documents and ID.
  • Your guarantor does the same

So, if you are your guarantor are motivated to get your application submitted accurately and quickly early in the day, it is possible to get paid out the same day.

For more information on guarantor loans click here.

Check out some helpful articles about quick loans:

Featured Loan Deals

Selected deals from different loan types:

Conduit Logo

Conduit | Type: Instalment

  • £200 - £1,500 Borrow
  • 6 to 18 months Term
  • 99.8% Representative APR
  • 4.9 from ‎‎341 reviews
Tappily Logo

Tappily | Type: Credit Facility

  • Up to £2,500 Borrow
  • Revolving line of credit Term
  • 47.7% Representative APR
  • 4.2 from 187 reviews
Everyday Loans Logo

Everyday Loans | Type: Personal

  • £1,000 to £15,000 Borrow
  • 24 to 60 months Term
  • 99.9% Representative APR
  • 4.2 from 1,364 reviews
Mr Lender Logo

Loans 2 Go | Type: Instalment

  • £250 to £3,000 Borrow
  • Up to 24 months Term
  • 1,013.3% Representative APR
  • 1.7 from 2,245 reviews
Savvy Logo

Savvy | Type: Instalment

  • £300 to £3,000 Borrow
  • 8 to 24 months Term
  • 341.7% Representative APR
  • 4.5 from 316 reviews
 Bamboo Loans Logo

Bamboo | Type: Personal

  • £1,000 - £8,000 Borrow
  • 12 to 60 months Term
  • 69.9% Representative APR
  • 4.9 from 19,206 reviews
Dot Dot Loans Logo

Dot Dot | Type: Instalment

  • £200 - £1,000 Borrow
  • 3 to 9 months Term
  • 757.7% Representative APR
  • 4.6 from ‎‎673 reviews
Safetynet Logo

Safetynet Credit | Type: Credit Facility

  • £1 - £1,000 Borrow
  • 1 to 365 Days Term
  • 68.7% Representative APR
  • 4.5 from ‎‎14,390 reviews
Credit Spring Plus Logo

Credit Spring Plus | Type: Instalment

  • £500 - £1,000 Borrow
  • 6 to 12 months Term
  • 38.6% Representative APR
  • 4.9 from ‎‎476 reviews
Credit Spring Core Logo

Credit Spring Core | Type: Instalment

  • £250 - £500 Borrow
  • 4 to 12 months Term
  • 87.4% Representative APR
  • 4.9 from ‎‎476 reviews
Cash4UNow Logo

Cash4UNow | Type: Instalment

  • £150 - £1,000 Borrow
  • 4 to 6 months Term
  • 1,314% Representative APR
  • 4.2 from ‎‎862 reviews
The Money Platform Logo

The Money Platform | Type: Instalment

  • £250 - £1,000 Borrow
  • 4 to 12 weeks Term
  • 839.2% Representative APR
  • 3.3 from ‎‎6 reviews
TM Advances Logo

TM Advances | Type: Personal

  • £1,500 - £5,000 Borrow
  • 30 to 50 months Term
  • 180.8% Representative APR
  • None

Get Accepted for a Loan

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 10:54 PM

  • 3-minute online application
  • Up to 35 UK lenders
  • Instant online quotes
  • No obligation
  • No fees - we are a free service

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

All Credit Loans is a licensed credit broker and not a lender.

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