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No guarantor loans
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What is a no-guarantor loan?
A no-guarantor loan in the UK is a personal loan that doesn’t require a friend or family member to act as a guarantor. This is where someone agrees to take on the debt in the event you can’t pay.
Typically, you’ll need a good credit rating to be accepted for a loan on standard terms and interest rates. Rather than a guarantor, you might also have the option of putting up a significant asset, such as your home or car, as security.
How do they work?
A no-guarantor loan is a type of borrowing where you don’t need someone else to co-sign or guarantee your repayments. Here’s how it works for someone taking out this kind of loan:
Application: You apply for the loan in your name, and the lender assesses your income, credit history, and ability to repay without needing a guarantor.
Approval: If eligible, the loan is approved, and the funds are transferred directly to your account.
Repayment: You repay the loan plus interest in fixed monthly instalments until the balance is cleared.
How much can I borrow without a guarantor?
How much you’ll be able to borrow without a guarantor will depend on your personal financial situation, including how much you earn, your outgoings, your credit score and the lender’s own criteria.
The better your credit rating and the higher your affordability, the more money you’ll be able to borrow with a no-guarantor loan.
How to get the best no-guarantor loan
To secure the best no-guarantor loan, it’s important to take steps that can improve your chances of approval and ensure you’re getting the most competitive deal. Here are some tips to help you make the right choice:
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Check your credit score
A higher credit score can improve your chances of securing better interest rates. Use our free credit score checker to see your score and get helpful tips to improve it.
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Compare lenders
Shop around to find lenders offering competitive rates and terms for no-guarantor loans.
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Review eligibility criteria
Ensure you meet the lender’s requirements, such as income level and credit history, to avoid unnecessary applications.
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Borrow only what you need
Applying for a reasonable amount improves your approval chances and reduces your overall interest costs.
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Read the terms carefully
Look out for hidden fees, early repayment charges, and repayment flexibility before committing to a loan.
Is a loan without a guarantor right for me?
A no-guarantor loan could be right for you if you need funds for a specific purpose and don’t have time to save.
It might also be a suitable option if you prefer not to involve a third party in your borrowing, or if you are unable to find someone willing to act as a guarantor.
However, it's important to understand that such loans often come with higher interest rates and might be harder to obtain, especially with a poor credit history.
While loans without a guarantor can be a convenient option, they only work if the repayments fit comfortably within your budget. Taking on a loan that stretches your finances too far could lead to more serious debt down the line.
What are the alternatives?
If you don’t want to take out a no-guarantor loan but still need the funds, you have a few other options:
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Overdrafts
A flexible option for borrowing through your current account, though often with high interest
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Credit union loans
Credit union loans often offer fair rates and flexible terms, especially for local community members
Compare no guarantor loans online with Moneysupermarket
We’re here to help you find the right no guarantor loan for your needs, so we’ll tell you which deals you’re most likely to get.
Our expert says…
While a guarantor loan is sometimes your only option, it does mean you’re getting someone else involved and they will be liable for your debt if you can’t repay it. If things go wrong this can become a complicated situation, especially if their house or another asset is on the line. That’s why taking out a no guarantor loan is usually the best option for everyone, if you’re able to find one at an affordable price.
Kara Gammell Personal Finance & Insurance Expert
Are non-guarantor loans secured or unsecured?
If you’re taking out a loan without a guarantor there will be the option to have an unsecured or secured loan. Unsecured loans, often referred to as personal loans, do not require you to put an asset up as security. Generally, this means you’ll need a fair to excellent credit score to be accepted for a loan.
With a secured loan you’ll have to put down a valuable asset you own – usually your home – as security. This is why secured loans are sometimes referred to as homeowner loans. It can mean you can get a loan with a less than perfect credit history and score. But it means if you fall into arrears on the loan the lender could seize your asset, so your home is at risk.
Can I repay my no-guarantor loan early?
Most loans will allow you to repay early – but often there will be early repayment charges and these can be high. If you think you may be able to clear the debt before the end of the loan term, check the terms and conditions at the outset to avoid any nasty surprises later.
Is a non-guarantor loan a payday loan?
No, a payday loan is just a type of short-term loan. Payday loans are usually unsecured and typically for a small value – such as £50 or £100, and usually taken out for around 30 days. They are often accessible for people with a poor credit rating – but the interest rates can be extremely high.
Is it more expensive to take out a loan without a guarantor?
If you have bad credit and a low credit score, the interest rates you’re likely to be offered will typically be higher on a loan without a guarantor, compared to a guarantor loan. That’s why if you’re struggling to find a loan, taking a guarantor loan can make it more accessible and affordable.
What are the easiest loans to get with bad credit?
It is likely to be difficult to get a personal loan with a competitive interest rate if you’ve got bad credit. Specialist lenders are available offering loans to those with a less than perfect credit history and a low rating. The interest rates will be much higher than those on standard loans and the loan amounts are likely to be lower.
If accepted for the loan, when will I receive the funds?
The process can be very quick if you apply for your loan online. If you apply for your loan online the process can be very quick. In some cases the lender may want to do some extra checks on you before agreeing to the loan. But once you’ve been accepted the funds should be in your account within days. In some cases the money could arrive the next day.
Can I get a no guarantor loan without a credit check?
It’s unlikely that you’ll be able to get a personal loan without a credit check. All regulated lenders will want to have the confidence you can repay the loan before approving any application, and a credit check is a key part of this.
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Reviewed on 21 May 2026 by
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YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
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Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in March 2026.
Data based on the median premium of contents insurance policies sold through MoneySuperMarket in March 2026.
Data based on the median premium of buildings insurance policies sold through MoneySuperMarket in March 2026.
Accurate as of 21 May 2026.
