No Guarantor Loans For Bad Credit.

£50 to £2500 paid out by 1:01pm

Fast 3 to 18 month online loans.

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We don't charge any fees, ever!

We don't credit check


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Representative APR 278%.

Representative Example: £500 borrowed for 90 days. Total amount repayable £672.60 in 3 monthly instalments of £224.20. Total Interest £172.60. Interest Rate 140.0% (variable). †Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

What are no guarantor loans?

No guarantor loans are a specific type of loan designed for people who are unable or simply do not wish to have a guarantor when they take out a loan. In the past, this was difficult as most direct money lenders saw a guarantor as a safe, easy way of securing a loan. Therefore, most money lenders in the past required a guarantor for all loans.

Loans without a guarantor were rare and usually featured unfavourable lending terms. Thankfully, this has changed. Many direct lenders have realised that this unfairly prevented some people from getting loans when they needed them. With an increasing number of lenders offering unsecured loans specifically designed for people with no guarantor, the market has become quite competitive; giving you more choice and better repayment terms.

How we compare

Why use us?
How much can new customers borrow?
Up to £2500
No fees, ever!
What are the repayment terms?
3 to 18 Months
No paperwork
Approximate monthly cost of borrowing £100
£13
No obligation quote
Percentage of people offered financial help
92%
Instant offer
Can I repay in installments
Yes
Flexible repayment
Do we credit check?*
No
No credit footprint

A no guarantor loan means that you are solely responsible for the loan you take out. Whilst this independence is what many applicants are looking for when they seek no guarantor loans, it also means that it is very important that the loan is repaid in the time and manner agreed with the direct lenders. Because loans with no guarantor mean the lender has no safety net if you do not repay the loan, these loans can feature higher APRs than loans that do require a guarantor. Whilst this is not true for every lender and many now offer very competitive non guarantor loan rates, it is important that you shop around to find the very best lender for your own requirements.

No Credit Check Loan

Find your best rate loan without needing a credit check.


Our ‘Soft Credit Match’ technology matches your profile to over 50 Financial Conduct Authority (FCA) approved loan companies without leaving any mark on your credit record.

With no obligation & no cost – it’s the best way to find a loan with no credit check.*

Get Your CreditMatch®

Can I get a non guarantor loan with bad credit?

The quick answer is yes. Looking past a person’s credit history, many lenders now use more relevant, up-to-date data when assessing your application. Focusing on your current financial and employment status rather than your credit history and score, many lenders now offer non guarantor loans that have been specifically designed for people with bad credit. As an independent broker, our role at New Horizons is to match you with the very best loans for your specific requirements.

No guarantor loan process

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Flexible Repayment

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Wanting to ensure everyone has equal access to loans, we specialise in helping people with bad credit get access to loans, including those that require no guarantor. Understanding that loans are often required suddenly and unexpectedly, we will do everything we can to get you fast access to the best loans that feature no guarantor; making the entire process as quick and easy as possible. Furthermore, we only recommend lenders that pass our strict criteria.

All of the lenders we deal with are FCA approved and offer full transparency regarding every aspect of their loans. As such, we can guarantee that there will be no hidden fees or shocks. This means that if you have bad credit, you can quickly compare which loans offered by lenders in the UK require no guarantor; allowing you to make a more informed decision and helping to ensure you get the very best deal for you.

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