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Short Term Loans

£50 - £995

Online decision

Responsible lenders

Rates from 278% to 1576%

3-12 month repayment

Personal Loans

£1k - £25k

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60-sec Application

Rates from 4.7% to 287%

3-36 month repayment

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.
† Subject to lender's requirements and approval. Not all loan amounts are eligible for 20 minute payouts. Your bank may increase the time you receive the money considerably.

No Guarantor Loans for Bad Credit

Key points

  • Not having a guarantor means you are solely responsible for repaying the loan that you have taken out.
  • Many people prefer this type of loan as it helps keep their finances private and doesn’t involve friends or family.
  • Once difficult to come by, there are many UK direct lenders on the market willing to lend without the presence of a guarantor.

There are different kinds of loans today that are actually very promising when it comes to cash assistance. Some are for those who are in dire need of cash the same day while there are those loans that would help them renovate their houses. You will also find loans if you wish to get a new car. However before you could settle for their offered benefits, you must first need to find the right loan. Getting the best one according to your needs and financial status is a must. Let us help you then.

Types of No Guarantor Loans

When we talk about no guarantor loans, this is all about the kind of loans which you could get without any collateral or such. Most of them, in fact, are unsecured loans. The repayment plan offered for this loan usually has fixed schedule like weekly or monthly. Expect it to have a high-interest rate as well.

One of the best loans ever especially when it comes to accessibility is the no guarantor loan. With this loan, you will surely be able to get the cash you nee din no time at all. No wonder more and more UK residents preferred this loan as compared to other loans offered today in the market. To give you more ideas, let us share with you some of the most favoured kinds of no guarantor loans today. These are all readily available online.

Payday Loans
This is one of the most preferred loans today especially among those who rely on their monthly salary alone. With this amazing loan, you will be able to apply online and get the cash you need in no time. You only have to find the application form online and usually it is located on the lender’s site. Once you found it, make certain to provide the lender with the details and info they need from you. Normally you have to give them details regarding your employment, bank details and contact info. This way the lender will have an assurance that you are capable of paying them back on time. Payday loans will only require you to pay the lender at the end of the month or on the day you will get your next paycheck. However, this loan may be easy to obtain but has a high-interest rate. This is the reason why lenders need an assurance that you will pay them back on time to avoid those charges and such.

Doorstep Loans or Home Loans
Just like what the name implies, this one could be easily arranged in the comfort of your home. You will no longer need to go to the bank and even spend the entire day just to fall in long lines. It normally works like this: once you have completed the online application form, a representative for your chosen lending company will pay you a visit. They will help you learn more about the loan you applied for and even help you choose the best repayment plan that will match up your needs. Once you and the representative finally agreed on the loan you wish to get, he will give and let you sign the contract. What even makes this loan very much reliable is the fact that after you signed the contract you will actually get the cash at once. The representative will hand you the cash you need without further questions and other strict requirements and verifications. The representative will then come back again in the following week to collect your payment.

Personal Loans
Since this loan is unsecured, there’s no need for you to have any collaterals such as your house or your vehicle. This loan is easy to obtain however requires the borrower to have a good credit line. This is the only strict requirement they need for such loan.

No Guarantor Loans From Direct Lenders

There are tons of lenders online that are offering different kinds of deals when it comes to no guarantor loans. They are offering amazing deals and services that would help meet your cash needs and help resolve them in no time at all. However, it is important that you only find the best one and the most reliable one so as to fully attain their offered benefits. Here are some ways that would help you find the right online lender for such loan today.

It is important that you check the lender’s credibility first before you close or even make any deals online. You can actually do this by checking out the lender’s site and learn more about their offered deals and services. They must be accredited to the FCA in order to be sure that they are legit and will not cause any issues in the long run. You will also get to find out more about a certain lender by considering those online reviews posted by their previous clients. This way you will be able to determine if they are credible when it comes to providing cash assistance or not.

Amazing Customer Care Service
If you wish to get the best deal from your chosen lender then make sure that it has an amazing customer care service. A good and reliable online lending company must have a good service when it comes to customer care. This particular section of their service must be able to help those clients and prospective customers learn more about their products and services. It should be knowledgeable and updated when it comes to their offered deals and such. Most of all, a good customer care service is readily available 24/7. This way you can be sure that you are on the right track.

Offers Online Application
One of the many reasons why UK residents prefer such loans today is because of its accessibility. Just imagine you will be able to get the cash help you need even if you are at home. There’s no need to set up an appointment with those bank managers and such just for your application. With this loan, you will be able to get the form you need on the lender’s site easily. From there, it is important that you provide the lender with the details and info they need from you. Make sure to give updated and accurate details with regard to your employment, bank account and of course the term of loan you wish to apply for. This way, the lender will be able to process your application in no time at all thus providing you with the cash you need the same day.

Instant No Guarantor Loans UK

One of the main requirements which online lenders need from their loyal borrowers is actually very basic and simple. There’s no need for those hard to prepare requirements and such. This is why more and more preferably such loan today especially here in the UK. Though this kind of loan is easy to obtain and does not need complicated requirements, bear in mind that there are some lending companies that are still very much strict when it comes to this part. So to provide you more assistance, here are some of the requirements you need to adhere in order to help make your application process hassle-free.

One of the most requirements which online lenders of such loan need are that you must be at the right age. Usually, most of the lending companies need you to be at least 18 years of age. But there are those who imply a stricter pointer when it comes to this matter. Some needs their borrowers to be at least 21 years of age.

Updated Home Address
If you wish to have a faster application process then make sure that you provide them with your exact and updated the home address. This way, the lenders will be able to check your location and would have another option to get in touch with you in case you failed to adhere to your repayment plan. This will also help you avoid any issues such as the UK money laundering and fraud regulations. This is an assurance that you are not actually using anyone’s identification or location just to get the cash help you need.

Financial Status
Another important thing you should prepare is your financial status. Since this is an unsecured loan then expect it to have a high-interest rate. This way you must pay the lender back on time or else you will get additional charges and even penalty on the money you have borrowed from those lending companies. To avoid such, you must be employed and have a bank account. This way the lender will have an assurance that you are qualified and actually capable of paying them back on time. Lenders will actually need a proof that you are employed such as by the ways of income tax and payslip.

Bank Account
Since you will be dealing with them online then they need your bank account. The money you wish to borrow from them will be then deposited into your account the same day though there are some lending companies which will provide you with a check. But most of them prefer you have your own bank account under your name.

Guarantor Loan Options

Aside from those important requirements which lenders need from you, there are some other things they might ask you to help make your application process faster and easier. You will find those no guarantor loans UK lenders asking for some basic verification and such.

ID Check
They might need some identification cards from you. This way they will be able to check whether you are presently employed or not. This will also help them confirm your home address and contact number.

Affordability Check
Lenders will need a confirmation that you can actually afford the loan you wish to obtain. This way you will not be able to have more issues with regard to your repayment plan.

No Guarantor Loans For Bad Credit

If you are worried because of your credit line then fret not. This no guarantor loan is actually also very much preferred by those who happened to have bad credit lines. In fact they lenders only need some basic requirements from those problematic borrowers before they could finally process and approve their application. You will only need again to be employed or have an income to be able to get the approval you need for this loan. You will find their offered loan amazing. Here are some reasons why those borrowers preferred such loan today.

Unlike other loans offered by banks today, this one will surely provide immediate cash assistance especially if you have issues on your credit score. Expect to have lenient and very basic requirements. There’s no need to worry about those strict verifications and documents. Those lenders will only need a proof that you are presently employed.

You will certainly be able to apply for such loan anytime of the day even during weekends and holidays. Just imagine you will no longer have to worry about running out of cash anymore because, with no guarantor loans for bad credit, you will certainly be able to get the cash help at all times.

Basic Requirements
As mentioned above, expect to have basic requirements for such loan. There will be no hard to prepare paper works and such. As long as you are employed or have other means of income then you are qualified to apply for such loan and get the approval you need in no time at all.

This will depend on your chosen repayment plan. With this, make sure that you discuss the matter over with your chosen lender so as to fully benefit from the loan you wish to get.

This amazing loan will certainly provide you immediate cash assistance without any hassle at all. It will certainly come very handy especially during emergency situations. There’s no need to borrow again from your friend or relative since this loan can be easily obtained through the net.

No Guarantor Loan FAQ’s

What are no guarantor loans?

No guarantor loans are loans where you do NOT need a guarantor in order to apply and be approved. While many loan companies will only consider you for credit if you have a guarantor (basically someone to vouch for you), this isn’t the case with many UK direct lenders nowadays.

How do I get a loan without a guarantor?

You can apply for a no guarantor loan easily on this website and we will connect you with UK lenders that are happy to assist. No paperwork is involved, everything is done online to make it much more convenient for you. The application is really straight forward and we will just need some basic information from you like your name, address, date of birth and that kind of thing. We’ll connect you with some suitable lenders and if you are approved, they aim to get the funds in your account on the same day.

Who will the loan be from?

While the initial application is done through us here at LoanOVAO, the guarantor loan will not actually be with us. We work as a third party company and based on your circumstances, we will connect you with the best lenders for your needs. We check out all the companies we work with and will only bring you the most trusted and accredited companies.

How much interest will I pay?

The interest rates on the no guarantor loans will vary depending on a few factors including your credit history, how much money you are applying for, the term of the loan, and the typical APR% that the company in question offers. Be sure to read the paperwork and make sure you are happy with the interest before you sign the agreement. Also, make sure that you can afford the monthly repayments or you risk running into problems further down the line.

What can I use the money on?

Once you are approved for your loan and it’s yours, you can use it for whatever you want. Many of our customers use our loans for emergency bills such as home or car repairs that they were not expecting but it’s completely up to you.

Why choose LoanOVAO?

With all the loan companies out there, you might be wondering what makes us stand out as being the best choice for finding no guarantor loan lenders. We help to find you the best loan company possibly and also the one with the lowest interest rate. We consider all residents of the UK and we advocate responsible lending/borrowing. LoanOVAO has many happy customers around the country, so we do hope that you will join them.

See What Other Kinds of Loans We Do

Though we specialise in Doorstep or Home Collection loans, we also offer a wide variety of other forms of finance to help you find the perfect plan to suit your needs.



It doesn’t matter how much you are looking for or what your credit history is like, we will be able to find you the best rates possible.

Fairly self-explanatory and so easy to get, a £100 loan is for those times that you need a little extra cash and quickly. Nearly anyone can get one of these loans with no issues at all, regardless of your credit history.
6 Month Loans can be a variety of amounts, whatever you think will suit your needs. The term, however, is fixed at 6 months. What this means is that the rate is fixed, allowing you to get the best out of your money. If you are looking for a slightly longer term length then this is a great option for you.
We all know how hard it can be to save, each time you get some a new issue will arise and bring you a step back. It doesn’t have to be that way though, a car loan is perfect for when you are looking at getting a new vehicle. Car Loans allow you to get the vehicle you are looking for without the usual hassle. This way you can pay as you go with your car
Very much like a payday loan, the Cash Cow Loans market has become popular with those that have a bad credit history. The difference is that a Cash Cow Loan does not have to be repaid in one instalment at the end of the month but can instead be over a 3 month period for example.

This type of loan is designed specifically for those that have an extremely bad credit score and are very likely to be refused by any normal lender due to their high risk. A Guaranteed High Risk Loan means that anyone that has been refused multiple times in the past or those that have been blacklisted will still have the chance to get the money they need.


An Instant Cash Loan is for those that are in a hurry to get the finance now. By using this sort of loan you will find that you get the funds in no time at all. Once approved you will get the cash straight into your account within 15 minutes. Fast Loans is one of the fastest ways to gain access to money on the loan market. Even those that have been blacklisted will be able to apply.

These loans are very small by their nature, often the amounts borrowed are around the £100 mark and no more than £500. They are usually only taken out for a couple weeks and never more than a few months. Mini-credit Loans were designed for those unexpected moments like a surprise bill or a car problem.
In the modern world, we are able to use our mobile phones for so many different things. We can use them to order food or other items from the internet. We can use them for looking at our bank accounts, sending and receiving money on the go. We can use them for so many things, so why not for borrowing. Whether you have an internet connection and feel like doing a £100 Text Loan or whether you want to use an SMS Loan instead, both are easily done today.