Loans Without Guarantor For Bad Credit.

£50 to £5,000 paid out by 9:59pm

Fast 3 to 36 month online loans.

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100% No obligation loan quote

Accept and get your cash in 15 minutes

We don't charge any fees, ever!

We don't credit check*

Representative APR 49.9%.

Representative Example:

Borrowing: £1200 for 18 monthsTotal Repayable: £1628.28Total Interest: £428.28Interest Rate (Variable): 49.9%

Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months.
†Loan amount subject to lender's requirements and approval. Subject to lenders requirement and approval. 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.
*New Horizons will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan.
If you accept a lender’s loan offer, they will perform a hard credit search.
Warning: Late repayment can cause you serious money problems. For help, go to
New Horizons is a registered trading name of New Horizons Finance Limited, which is an Introducer Appointed Representative of Flux Funding Limited, who are a credit broker, not a lender.

Warning: Scammers are using our brand to request fraudulent loan fees. We will never charge fees or ask for any payment in relation to a loan.

Loans without guarantor, are they right for me?

No guarantor loans are a specific type of short-term 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 lenders saw providing a loan without guarantor to someone with bad credit as risky, so having a guarantor was an easy way of securing a short-term loan. Therefore, most direct lenders in the past required a guarantor for all quick loans where bad credit was an issue. This has changed and more and more lenders now provide bad credit loans without a guarantor.

No guarantor loans questions:

Q1 – Loans without a guarantor, will I be approved?
Q2 – What is a no guarantor loan?
Q3 – Can I get a loan for bad credit with no guarantor?
Q4 – Can New Horizons help me if I have bad credit?
Q5 – Are short term loans without a guarantor safe?
Q6 – What can I do if I am struggling to repay my debts?

Loans without a guarantor, will I be approved?

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 £5,000
No fees, ever!
What are the repayment terms?
3 to 36 Months
No paperwork
Representative APR
49.9% (variable)
No obligation quote
Can I apply with bad credit?
Instant decision
Can I repay in instalments
Flexible repayment
Do we credit check?*
No credit footprint

What is a no guarantor loan?

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 a loan without guarantor, it also means that it is very important that the short-term 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 no 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 an initial credit check.*

‘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 loan for bad credit with no guarantor?

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 loans for bad credit with no guarantor 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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Find the best rate from a panel of lenders

Instant Approval

Every day we accept 1000's of applications

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Loans paid within 15 minutes

Flexible Repayment

100% no obligation quote

Can New Horizons help me if I have bad credit?

Wanting to ensure everyone has equal access to short term loans, we specialise in helping people with bad credit get access to loans, including those that require loans without guarantor. Understanding that loans are often required suddenly and unexpectedly, we will do everything we can to get you fast access to the best bad credit loans with no guarantor; making the entire process as quick and easy as possible. Furthermore, we only recommend lenders that pass our strict criteria.

Are short term loans without a guarantor safe?

All of the lenders we work with are authorised and regulated by The Financial Conduct Authority 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.

What can I do if I am struggling to repay my debts?

If you are struggling with your debts and require assistance. You can speak to the companies below, free of charge.

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