Compare No Guarantor Bad Credit Loans

  • There are various loans available to borrowers with bad credit ratings that don't require a guarantor
  • Compare non guarantor bad credit loans below
  • Check loan details and eligibility requirements carefully before you apply
Soft Search

Free Eligibility Checker

Find out in minutes which loans you qualify for

  1. 1 Check your eligibility without harming your credit score
  2. 2 Choose from pre-approved loan offers
  3. 3 Apply direct to lender
Check my eligibility
This service is provided in partnership with Accepty Ltd, checking your eligibility against Accepty's panel of lenders using a soft credit search.*
7 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As a result of Coronavirus (Covid-19) some loan providers have put lending restrictions in place or temporarily withdrawn their products from comparison sites and/or the wider market, therefore you may see fewer providers than normal.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

      • 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
    • 1st Stop Personal Loan logo

      1st Stop 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 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
    • Likely Loans Personal Loan logo

      Likely Loans Personal Loan

      • 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
        Short Term
      • 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

      • 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

      • 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 Accepty on behalf of Know Your Money, a trading style of Notice Media Ltd.

The data you supply and submit is used to retrieve loan quotes from Accepty's panel of lenders. Accepty does not store any personally identifiable information when providing quotes. Your details are passed to Accepty's lender panel who do store it but only for the purposes of providing a quote. More information can be found in Accepty's privacy policy accepty.co.uk/policies/privacy

By using the loans eligibility service you are agreeing to Accepty's terms and conditions and privacy policy which can be found at accepty.co.uk

Accepty is a trading name of Accepty Technology Ltd and is registered at Unity House, Hercules Park, Birdhall Lane, Chedle Hulme, Stockport, SK3 0UX and is authorised and regulated by the Financial Conduct Authority

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

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?

Go to Loans Hub