Compare No Guarantor Bad Credit Loans

  • Compare companies that offer loan products designed specifically for borrowers with bad credit ratings
  • Protect your credit file and see which loans you qualify for by using our partner's soft search eligibility service, just click Check Eligibility*
  • Or you can use Apply Now buttons below to go direct to the provider, remembering to check loan details and more info carefully before you apply
9 products found
As a result of Coronavirus (Covid-19) some loan providers have put lending restrictions in place or temporarily withdrawn their products from comparison sites and/or the wider market, therefore you may see fewer providers than normal.
    • Norton Finance Personal Loan - For homeowners only logo
      Broker

      Norton Finance Personal Loan - For homeowners only

      • Only available to homeowners
      • Loan Type
        Unsecured
      • Representative APR
        15.4% APR
      • Available Amounts
        £3,000 to £25,000
      • Min / Max Terms
        1 to 25 years

      Eligibility Criteria

      • Must be aged 18 to 80
      • Must be a homeowner
      • Must have a minimum income of £7,500 per year from employment, pension or benefits
    • Lendable Personal Loan logo

      Lendable Personal Loan

      • Powered by Freedom Finance
      • Loan Type
        Unsecured
      • Representative APR
        27.4% APR
      • Available Amounts
        £1,000 to £10,000
      • Min / Max Terms
        1 to 5 years

      Eligibility Criteria

      • Must be aged between 18-70 (at time of application)
      • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
      • Have a net monthly income of £800+
      • Must not be unemployed
      • Bankruptcies, active CCJs and IVAs not accepted
    • Freedom Finance Personal Loan logo
      Broker

      Freedom Finance Personal Loan

      • Loan Type
        Unsecured
      • Representative APR
        27.5% APR
      • Available Amounts
        £500 to £25,000
      • Min / Max Terms
        1 to 7 years

      Eligibility Criteria

      • Must be aged 18 years or over
      • Must be a UK resident
      • Interest rates are dependent on your individual credit score
    • Oplo Personal Loan logo

      Oplo Personal Loan

      • Only available to homeowners
      • Loan Type
        Unsecured
      • Representative APR
        30.8% APR
      • Available Amounts
        £2,000 to £15,000
      • Min / Max Terms
        2 to 6 years

      Eligibility Criteria

      • Must be a homeowner
      • Must be aged 21 or over at the start of the loan
      • Must be a UK resident (excluding the Channel Islands and Isle of Man)
      • Must have a current bank account or building society account
      • Must be in permanent paid employment
      • Must not be currently bankrupt or in an IVA or debt management arrangement
    • Aspire Money Personal Loan logo
      Broker

      Aspire Money Personal Loan

      • Loan Type
        Unsecured
      • Representative APR
        49.9% APR (£500 to £10,000)
      • Available Amounts
        £500 to £25,000
      • Min / Max Terms
        1 to 5 years

      Eligibility Criteria

      • Over 18s only
      • UK residents only
      • Must be full time employed
      • Must be earning over £1,200
      • Interest rates may vary due to your circumstances and loan amount required
    • Likely Loans Personal Loan logo

      Likely Loans Personal Loan

      • Powered by Freedom Finance
      • Loan Type
        Unsecured
      • Representative APR
        59.9% APR
      • Available Amounts
        £500 - £5,000
      • Min / Max Terms
        1 to 3 years

      Eligibility Criteria

      • Must live in the UK (excluding the Channel Islands and Isle of Man)
      • Must be aged 18 or over at start of loan
      • No bankruptcies within last 12 months
      • Must have a UK Bank Account and Debit Card
      • Can be Tenant or Homeowner
      • Must be Employed or Self Employed
    • SafetyNet Credit Facility logo

      SafetyNet Credit Facility

      • Credit Line
      • Loan Type
        Credit Line
      • Representative APR
        68.7% APR
      • Available Amounts
        £100 to £500
      • Min / Max Terms
        No min or max term

      Eligibility Criteria

      • Must be a UK resident
      • Aged 18 or over
      • Monthly minimum income of £700
      • Full-time or part-time employment or self-employed
      • Must have internet banking log-in details
      • Must have debit card and bank account into which salary is paid
      • Must have a mobile phone and email address
      • Bankruptcy, IVA, CCJs or equivalents not accepted
    • Bamboo Personal Loan logo

      Bamboo Personal Loan

      • Powered by Freedom Finance
      • Loan Type
        Unsecured
      • Representative APR
        69.9% APR
      • Available Amounts
        £1,000 to £8,000
      • Min / Max Terms
        1 to 5 years

      Eligibility Criteria

      • Be aged between 18 - 72 (at time of application)
      • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
      • Have a net monthly income of £600+
      • Must not be unemployed, a full time student or on benefits
      • Must not be currently bankrupt or in an IVA
      • No CCJs or defaults in last 12 months
    • Everyday Loans Personal Loan logo

      Everyday Loans Personal Loan

      • Powered by Freedom Finance
      • Loan Type
        Unsecured
      • Representative APR
        99.9% APR
      • Available Amounts
        £1,000 - £15,000
      • Min / Max Terms
        18 months - 5 years

      Eligibility Criteria

      • Must be permanent UK Resident for at least 12 months (Not IOM or Channel Islands)
      • Must be aged 18 or over (at start of the loan)
      • Must have a current Bank or Building Society Account
      • No current bankruptcies, CCJ's or IVAs
      • Must not be unemployed
Also for Bad Credit Loans...

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Our service is free of charge but we receive commissions from the providers we refer you to. This table is initially ordered by representative APR. You can use the options above the table to order it according to various criteria. You may be offered different rates depending on your personal credit rating.

Eligibility Service:

*The loans eligibility service is provided by Freedom Finance. The data you supply and submit is used to retrieve loan quotes from Freedom's panel of lenders. By using their loans eligibility service you are agreeing to Freedom's terms and conditions and privacy policy which can be found at freedomfinance.co.uk

Freedom Finance is a trading style of Freedom Finance Limited who are authorised and regulated by the Financial Conduct Authority. Freedom Finance Limited. Registered Office. Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Registered in England & Wales 06297533. FCA No. 662079. VAT Registration Number 257 0001 44.

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No-Guarantor Bad Credit Loans FAQ

What is a no-guarantor credit loan for those with bad credit?

Can I get a no-guarantor loan if I have bad credit?

What’s significant about having a no-guarantor loan?

How will my bad credit rating matter?

Can I get a no-guarantor loan while having poor credit if I am unemployed?

What should I do if I miss payments with a no-guarantor loan while I have poor credit?

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