No Guarantor Loans, Apply Online for Loans with No Guarantor

No Guarantor Loans

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Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 3 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 832.04%. Our APR includes all applicable fees. Daily interest is capped at 0.793%.


Looking to apply for loans with no guarantor online and quickly? We can help you here at Payday Loans Net find the right loan today that meets your requirements. Apply now for a loan between £300 – £1500 over a repayment period of 3 – 9 months without a guarantor required. If approved, you can receive the cash the same day.


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Loans No Guarantor Direct Lender


It can be sometimes difficult to find a lender that will match your needs, providing the terms you want whilst offering the full amount you require. Not all direct lenders can help you in this way, so we have made it simple for those who need a short term loan without delay. We are a fully authorised direct lender of no guarantor loans in the UK. As we don’t require borrowers to provide a guarantor, this means you can apply as a sole applicant even with bad credit. What’s more, we do not charge a fee to apply, and you could have a loan up to £1500 approved in minutes.

Interested to find out more? You’ll find plenty of information about our no guarantor loans here, helping to show you why Payday Loans Net can provide a short term, flexible option.

What Are Loans with No Guarantor?


As no guarantor loan lenders, we provide an option for applicants who may have been turned away by other lenders. If you are someone with a poor credit history that has experienced arrears payments, defaulted agreements or just a lack of borrowing history, this may have left your credit rating very low. Many traditional lenders will expect borrowers to have a certain level of credit score to be considered for a loan and may use automated lending decisions to filter applicants. Other lenders you may have found online will ask for a guarantor to support your application if you are someone with bad credit. This can leave many applicants struggling to find a suitable person that has a good credit history and lacking suitable options. This is where no guarantor loans can make a difference, as you can apply without the worry of needing to find a guarantor just because you have a bad credit history.

You can simply use our loan calculator to see the costs of no guarantor loans in an instant, showing you how much you can expect repayments to be with your choice of term length and loan value. You can then adjust to suit your affordability and easily apply online.

Get No Guarantor Loans in an Instant


We know that you don’t want to wait longer than is necessary to get the money you need. That’s why our application process for no guarantor loans is quick and simple. If you know how much you want to borrow between £300 – £1500, all you need to do is choose the length of repayment required, between 3 – 9 months, and then fill out our quick to complete application form. This needs a few personal details and once filled in, we’ll let you know if you have been approved. This process is almost instant, usually within 90 seconds, if you have provided all the information we need.

As we are a responsible loans no guarantor direct lender, during your application we will always ensure you can afford the loan you apply for. Whilst we do help those with a history of bad credit who may have been turned away by other lenders, we still have to ensure you have the affordability. This is why we run both credit and affordability checks so that we can have a clear picture of your current finances as well as your financial history.

If we can’t determine you can afford to get a loan with no guarantor, we will have to decline your application. Before choosing to apply, we recommend you carefully consider your financial position and that you can afford to maintain loans with no guarantor throughout the term if approved.


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No Guarantor Loans FAQs


Can I Get a Loan with No Guarantor Today?

Yes, we can help you both apply and get approved for a loan on the same day, as long as you can meet our requirements. We don’t offer guaranteed loans, but we will consider applicants with varying credit histories. Potentially, once you have clicked apply now and filled out our short application form, we can provide an instant decision and payout the approved loan directly to your bank account the same day. Please note, applications made outside of regular business hours may not be processed until the next working day.

What’s the Maximum Money Loans with No Guarantor I Can Get?

The maximum no guarantor loans in the UK amount you can apply for is £1500. This can only be guaranteed once a full assessment of your application, a credit check and an affordability assessment is performed. We do not encourage applicants to apply for the maximum amount available, and you should only apply for a payday loans no guarantor amount you can comfortably afford to maintain. You can use our loan calculator to adjust the repayment term and amount that works for you.

Are Payday Loans No Guarantor the Same as Short Term Loans?

We can provide loans depending on your situation, from emergency loans to instalment loans, but each are designed for short term use. The difference between payday loans and short term loans is how long you can spread repayments for. Typically, a payday loan requires full settlement of the loan amount by your next salary date. With our money loans no guarantor, you can choose a longer repayment term, between 3 – 9 months, that helps to spread the cost.

As a Loans No Guarantor Direct Lender, Do You Charge Fees?

To apply for a no guarantor loan, we do not charge any fees to do so. The amount you choose to borrow and the repayments are clearly stated before you choose to apply. If you miss a repayment during an agreement, you may be liable for a late payment charge, but this is only if you fail to repay the arrears within 24 hours. If you are in a position where you think you may miss a repayment, please contact us as soon as possible.

What Can I Use a No Guarantor Loan For?

We are short term loan lenders meaning we can help you get the funds to cover a short term financial issue. This could range from having to cover an unexpected expense before your next salary date, or having to pay for an emergency repair to your home. As a short term loan can come with a high-interest rate, we do not recommend using this type of borrowing for long term financial issues. They are ideal when you have no other options to resolve your position, such as using available savings.

Apply for a No Guarantor Loan Today

If you are ready to apply for a no guarantor loan, click apply now and begin your application. Choose the amount you want to borrow and the repayments you can afford, and we’ll confirm if we can approve your application quickly. Please note, you should only apply for no guarantor loans in the UK if you are not experiencing financial difficulty and can afford to maintain the repayments. If you are experiencing money issues, please visit Money Helper for help.

No Guarantor Loans in the UK


We have made getting a loan with no guarantor simple for anyone to apply, with our eligibility requirements straightforward. Our online application takes just minutes to complete thanks to our digital approach, enabling you to get a quick decision so you won’t be waiting long.

We are a UK based lender that specialises in short term borrowing for applicants who need same day funding. To apply and get a no guarantor loan today of up to £1500, you will need to:

  • Reside in the UK
  • Have a UK bank account
  • Have a steady income

If you have any queries or problems that you cannot resolve on the phone, please contact us during working hours, and we will do all we can to resolve your issue.

Representative example

Total amount of credit: £700
Duration of the agreement: 5 months
Repayment total: £1,179.10
Interest is fixed at rate of 222.79% per year – 0.793% interest per day | Representative 832.04% APR
£235.80
Instalment 1
£235.80
Instalment 2, 3 & 4
£235.90
Instalment 5
Warning: Late repayments can cause you serious money problems. For help, go moneyhelper.org.uk