No Guarantor Loans | Loans Without a Guarantor @CreditRaters.com
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  • Loan Amount
    £2000 - £40000
  • Loan term
    12 - 84 Months
  • Interest
    25.4%
  • APR
    25.4%
Representative example: borrowing £7,500 over 4 years with a representative APR of 25.4%, an annual interest rate of 25.4% (Fixed) and a deposit of £0.00, the amount payable would be £239.77 per month, with a total cost of credit of £4,008.96 and a total amount payable of £11,508.96 Car Finance 247
  • Loan Amount
    £250 - £1000
  • Loan term
    18 - 18 Months
  • Interest
    205.2%
  • APR
    989.9%
Representative example: If you borrow £400 over 18 months at a flat rate of 205.2% per annum (fixed) with a representative 989.9% APR you will make 18 monthly payments of £90.62, repaying £1,631.16 in total. Simple Fast Loans
  • Repay your loan early and you'll pay less interest
  • Face to face consultations available throughout the UK
  • Receive funds in as little as one hour
  • Convenient repayments that can be made weekly, fortnightly or monthly
  • Loan Amount
    £100 - £400
  • Loan term
    5 - 8 Months
  • Interest
    102.4%
  • APR
    466.37%
Representative Example: £200 loan repayable over 34 weeks at £10 per week, Rate of interest 107.1% p.a fixed; Representative 466.37% APR, Total amount payable is £340 Morses Club
  • Loan Amount
    £125 - £500
  • Loan term
    2 - 3 Months
  • Interest
    292%
  • APR
    1306.21%
£200 loan taken out over 3 Months (83 days). Annual rate of interest 292% fixed. Cost of credit £113.08. Monthly Payments: £104.36, £104.36 and £104.36. Total amount payable: £313.08 THL Direct
  • Loan Amount
    £250 - £250
  • Loan term
    1 - 4 Months
  • Interest
    0%
  • APR
    87.4%
Representative example: Total amount of credit of £500 over 12 months. 8 monthly repayments of £62.50 and 12 monthly membership payments of £6. Rate of interest 0% p.a. (fixed). Representative 87.4% APR. Total amount payable £572. CreditSpring – £250
  • Borrow £250 twice a year, available on demand
  • Membership fee is £6 per month (£72 a year)
  • Repay each advance in 4 monthly payments
  • 0% interest rate, you pay back only what you’ve borrowed, plus your monthly membership fee
  • Loan Amount
    £500 - £500
  • Loan term
    1 - 4 Months
  • Interest
    0%
  • APR
    38.6%
Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed), Representative 38.6% APR. Total amount payable £1,096. Creditspring – £500
  • Borrow £500 twice a year, available on demand
  • 0% interest rate, only pay back what you borrow plus your monthly membership fee
  • 14 days to change your mind before you can borrow. Then you'll be able to borrow whenever you need it
  • Loan Amount
    £100 - £1000
  • Loan term
    1 - 12 Months
  • Interest
    229.95%
  • APR
    720%
Borrow £400 for 6 months. Total repayment £707.01 in 6 monthly payments of £117.83. Interest p.a 229,95% (fixed). Representative 720% APR. Peachy Loans
  • Flexible repayment options from 1 - 12 months
  • Loans usually deposited within 1 hour
  • Loan Amount
    £80 - £800
  • Loan term
    0 - 1 Months
  • Interest
    292%
  • APR
    1281.8%
Total amount of credit £80, duration of the agreement 29 days, rate of interest 292% per annum (fixed), total amount payable (in one repayment) £98.56. Representative 1281.8% APR. 247Moneybox
  • Cash paid into your bank account within 24 hours of acceptance
  • Existing customers can borrow up to £800
  • Simple, easy to understand interest rates and repayments
  • FCA regulated and committed to responsible lending
  • Loan Amount
    £1000 - £15000
  • Loan term
    48 - 60 Months
  • Interest
    20.33%
  • APR
    39.9%
Representative Example: 36 Monthly Repayments, borrowing £5,000. Total Amount Payable: £8,049.60. 39.9% APR Representative. Rate of Interest 20.33%, Fixed Flat Rate. Monthly Repayment: £223.60. TFS Loans
  • Considers bad credit, CCJs, debt consolidation
  • Loan can be paid in hours if approved
  • Award winning trusted guarantor lender
  • Loan Amount
    £500 - £15000
  • Loan term
    12 - 60 Months
  • Interest
    Variable
  • APR
    49.7%
Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed). Talk Loans
  • Submit your application to multiple lenders
  • High chance of approval
  • Rates from 29% APR to 69.9% APR
  • Loan Amount
    £3000 - £50000
  • Loan term
    12 - 60 Months
  • Interest
    10.87%
  • APR
    21.8%
GOOD CREDIT SCORE: Loan amount £5000 – 48 monthly payments £129.17 Total cost of credit £1200.16 – Total amount payable £6200.16 – Representative example 12.9% APR. This is a yearly flat rate of interest of 6%. This is a fixed rate.
WhatCredit
  • Low Rate Car Finance Packages
  • Choose The Car From Any UK Dealer
  • Finance For Good & Bad Credit Profiles
  • Same Day Drive Away Car Loan Schemes
  • Flexible Repayment Terms For Your Car Loan
  • Loan Amount
    £3000 - £25000
  • Loan term
    12 - 48 Months
  • Interest
    25%
  • APR
    27.4%
Representative example – Vehicle price £5600.00, annual interest rate 25% (fixed), charge for credit £4200.00 (inc. option to purchase fee of £10.00), total amount payable £9810.00, 36 monthly installments £272.50. Representative APR 27.4% – subject to status. Get Me Car Finance
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    40.90%
  • APR
    49.50%
Representative Example: Borrowing £4,000 over 3 years at an interest rate of 40.9%p.a. (fixed), you will repay 36 monthly payments of £194.55. Interest payable £3,003.80. Total repayable £7,003.80. Representative 49.5% APR. TrustTwo
  • Guarantors who are homeowners, tenants or living with parents are considered
  • Funds can be issued within 24 hours of acceptance
  • Improve your credit score by making timely repayments
  • No fees are charged at any point. Ever.
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    24.20%
  • APR
    47.8%
Representative Example £3000 over 3 years, representative 47.8% APR Fixed. Monthly payment £143.84. Annual interest rate 24.2% Fixed. Interest payable £2178.24 Total payable £5178.24.
1Plus1 Loans
  • Fantastic loan guarantor product to help those with poor credit
  • Loans are flexible and can be used for any purpose
  • Great for parents who want to help children build their credit score
  • Online customer service team that operates 24 hours per day
  • Loan Amount
    £550 - £50000
  • Loan term
    12 - 36 Months
  • Interest
    159.70%
  • APR
    450.5%
If you borrow £850 over 18 months at a flat rate of 132% per annum (fixed) with a representative 450.5% APR you will repay 17 monthly payments of £140.72 and 1 payment of £140.76, repaying £2,533.00 in total. Loans2Go Logbook Loans
  • Use your vehicle as collateral to increase the chance of acceptance
  • Generous and flexible loan terms of 12 – 36 months
  • Retain complete use of your vehicle during the loan
  • A lender with more than 15 years of industry experience
  • Loan Amount
    £250 - £1000
  • Loan term
    4 - 12 Months
  • Interest
    255.50%
  • APR
    839.20%
Representative Example: Borrow: £500 for 6 weeks. Repayment method: One Payment. Interest rate: 255.5%. Total repayment of: £647. Representative: 839.2% APR.
The Money Platform
  • A revolutionary peer to peer lending platform
  • Borrow up to £1,000 over a term of up to 12 weeks
  • Receive funds on the same day that you're approved
  • Loan Amount
    £1000 - £25000
  • Loan term
    12 - 60 Months
  • Interest
    2.9%
  • APR
    3%
A loan of £10,000 over 5 years will cost you £179.25 per month at a representative 2.9% APR. The total cost after 5 years is £10,754, which includes £754.87 interest at 2.9% fixed and a £0 fee. The total amount of credit is £10,000. Zopa
  • Cut out the banks and building societies to get better loan rates
  • Borrow up to £25,000 (subject to status)
  • More than £2 million of loans approved every day
  • No early repayment charges or hidden fees
Other types of loans

Guarantor loans have really taken off in the UK over recent years but are actually one of the oldest types of loan that have ever existed. They effectively allow someone to ‘guarantee’ that one of their friends of family will repay a loan on time and, if they don’t, will take on the responsibility of paying for it on their behalf.

Whilst having a guarantor is great for those with a poor credit history, standing on your own two feet with no guarantor loans gives you the freedom to independently manage your finances. It also means that you won’t have to spend time trying to find a guarantor which often means sharing personal details about your finances with others.

Let’s take a look at how no guarantor loans work and the advantages of getting credit based on your own history rather than someone else’s.

What Are No Guarantor Loans?

No guarantor loans is the umbrella term used to describe any loan which is offered to a borrower solely based on their own individual circumstances. From car, motorcycle and caravan finance to home improvements, debt consolidation and emergency spending, no guarantor loans are available across the entire lending spectrum.

When applying for no guarantor loans, you’ll only need your own personal information

What Are The Benefits Of No Guarantor Loans?

There are a number of key benefits which make no guarantor loans a great option for UK borrowers, particularly for those who are able to be accepted on their own.

Confidential

Sharing your private financial information with others can be a awkward at the best of times, but even letting others know that you’re taking on finance can put borrowers out of their comfort zone.

Keep everything in house by using no guarantor loans and you’ll be the only person who is contacted by the lender at any time under the Data Protection Act.

Quick Applications

No guarantor loans only require information from those who are actually taking on the credit meaning that you won’t need to source financial information and permissions from third parties before being accepted.

Instead, you’ll be able to make one quick and easy application online with CreditRaters.com and choose a suitable lender for an instant online decision.

You’re In Control

In the unlikely event that you ever do fall into financial difficulties and are unable to make your next loan repayment, it’s simply left to you to contact the lender and make the necessary arrangements for payment. With a guarantor loan, you may find that the lender contacts your guarantor which isn’t ideal, particularly if the shortfall is through no fault of your own.

How Can I Apply For A No Guarantor Loan?

Applying for no guarantor loans couldn’t be simpler thanks to CreditRaters.com Simply complete your initial application online and we’ll pair you with lenders who can provide you with the funds you need at lightning speed.

You’ll receive an instant online decision and, if accepted, can often have funds transferred direct into your UK bank account in as little as 24 hours.

Find out how CreditRaters.com can help you by getting a free, no obligation quote today.