No Guarantor Loans.

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Representative APR 91%.

Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and maximum 1294% APR - your no-obligation quote and APR will be based on your personal circumstances. Payday UK is a registered trading name Payday Loans Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.

We offer loans between £50 and £5000 over a 3-month to 36-month term.

Warning: Payday loans should not be used as a long term financial solution. Late repayment can cause you serious money problems. For help, go to

Loans without a Guarantor

At Payday UK, you can apply to borrow from £50 to £5000 without the need for a guarantor, even if you have a low credit score.

We find no guarantor loans for people in a variety of situations. Whatever your circumstances are, with or without a guarantor, good or bad credit rating, applying with Payday UK gives you the best chance of successfully getting a loan.

We always endeavour to find our customers the best deal in the shortest time, and we’re committed to ensuring it is done transparently and responsibly. You can apply without damaging your credit score and you will receive an instant decision.

We've helped out
thousands of people...

£300 for Michael in Stirlingshire
£1000 for George in Bromley
£400 for Jessica in Huddersfield
£300 for Anish in Essex
£200 for Bartosz in Yeovil
£600 for Elizabeth in Lockerbie
£300 for Mark in Guildford
£200 for Vincent in Southport
£1500 for Samuel in Harrogate
£1000 for Martin in Lincolnshire
£500 for Anna in Launceston
£250 for Louisa in Croydon
£100 for Harley in Folkestone
£200 for Natalie in Lincolnshire
£1500 for Mary in Motherwell
£350 for Danielle in Bradford
£500 for Stuart in Worthing
£2000 for Mohammed in Smethwick
£300 for Judy in Islington
£200 for Jane in Culross
£50 for Neil in York
£1000 for Rashid in Manchester
£500 for Chanelle in Bradford
£400 for Louis in Folkestone
£200 for Carly in Manchester
£300 for Glen in Dereham
£200 for Michael in London
£400 for Anthony in London
£300 for Hanif in Birmingham

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Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

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Bad Credit No Guarantor Loans

At Payday UK, we work with lots of No Guarantor Lenders who may still be able to help you find the loan you need.

If you have bad credit and are looking to borrow a larger amount of money, some companies will insist on a guarantor as extra security for the loan. Not everyone has access to a guarantor, however, so if you have a poor credit score, what are your options?

At Payday UK, we have built a large panel of lenders who specialise in providing poor credit loans to customers who can’t or don’t want to add a guarantor. You can apply for up to £5000 loan and even if you have bad credit, we may still be able to help.

How it Works

We know you need your money as soon as possible. That’s why we do everything we can to make the process fast and simple.

Apply Online

Fill out our short, secure form and search our industry-leading panel of lenders to find your loan.

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash.

Get Your Money

Your money can often be paid into your account within just 10 minutes.*

More questions? We've got you covered

Some people taking out a loan will be worried that needing a guarantor will slow down the process too much. If you take out a loan that requires a guarantor, it means your circumstances made the lender want to add a little extra security. A young person with no credit history might need a guarantor if it’s their first-ever credit.

The guarantor also gives the lender a second port of call should you default on your loan. Some people won’t want to discuss their financial predicament with anyone else, which is another reason they will want to avoid using a guarantor.

Whether or not you require a guarantor is more often because of your circumstances rather than the amount you’re borrowing. If you’re eligible for a no guarantor loan, then you probably still will be regardless of the amount. Most lenders that require a guarantor will still need a guarantor if you only borrow a small amount of money. Some direct lenders will never ask for a guarantor, regardless of your situation.

If you have a no guarantor loan, they will contact you to see why the payment hasn’t been made. If you foresee a problem with making a payment, you should always contact your direct lender at your earliest convenience. This shows them your intentions are good, and you do want to make your payments.

Contacting the lender will often allow you to avoid this situation, as you can resolve any issues together. It also demonstrates that you’re being honest, responsible, and have a genuine desire to pay.

Some people will want a no guarantor loan because they’re afraid a loan company will contact a guarantor if they miss a payment. Most lenders will usually only contact a guarantor as a last resort. They will nearly always try to contact you first, so if you don’t ignore them, they shouldn’t need to contact the guarantor.

Not all loan companies offer the option of a no guarantor loan. We have lots of direct lenders on our panel that specialise in lending money to people with a variety of circumstances, from bad credit to first-time borrowers. Some won’t need a guarantor to complete the loan and will lend you the money unsecured. This is preferable to a more traditional lender, that will probably refuse you for the loan, guarantor or not.

Other factors usually dictate interest rates. A guarantor adds an extra element of security for the lender, which does reduce the risk the lender is taking, which can reduce the interest rate. However, the bulk of the interest rate will be decided by your circumstances and credit history. A lender is more likely to ask for a suitable guarantor if you’re classed as higher risk, as a guarantor with a good credit history can help to reduce the level of risk to within the acceptable parameters for that specific lender. However, other lenders may offer you a no guarantor loan.

Our panel is full of direct lenders that specialise in providing loans to people with bad credit. Some of them will not require a guarantor, others will. We will show you the best loan offer available to you regardless of whether a guarantor is required. Our panel of direct lenders maximises your chances of being approved for a loan, whatever your situation.

You can complete the whole application process online on your smartphone, tablet, or computer. Our direct lenders understand the importance of providing access to money as quickly as possible. Therefore, we offer an instant decision and instantly compare the loans on offer to show you the best one, doing all the legwork for you automatically.

When you initially apply for a loan, Payday UK will only perform a soft credit search. This type of credit check leaves no mark on your credit record and will not be visible to lenders who look in the future. It provides us with enough information to check your eligibility against the criteria of our lenders. You will already know you meet the lender’s criteria before accepting a loan offer, but the lender will still need to perform a full credit check before they release any funds, as this is a requirement of the FCA (Financial Conduct Authority).

If you then continue to make all the agreed payments on time the loan, with or without a guarantor, will only improve your credit score, as it will show you have successfully taken out credit and paid it back as per the agreed repayments.