Representative 68.7% APR (variable). Representative Example: If you borrow £500 over 6 months at a Representative rate of 68.7% APR (variable) and an annual interest rate of 292% (variable), you would pay 6 monthly instalments of £96.80. The total charge for credit will be £80.78 and the total amount payable will be £580.78.

Rates from 45.3% APR to 1575% APR - we provide a no obligation quote; your APR will be based on your personal circumstances. You can choose a repayment period from 3-60 months when completing your application.

Your journey to getting accepted

Choose a loan

Choose the amount you would like to borrow. Between £100 and £10,000.

A quick and easy form

Fill out our simple form. It takes about 2 minutes and is 100% safe.

Quick payout

Once approved, cash can be credited to your account in just 15 minutes.

No guarantor loans

If you have a poor credit rating and still need a loan, but are unsure if you’re able to get someone to be your guarantor, do not worry. At the money store, we work with a range of no guarantor lenders who can help with £100 up to £10,000 and all no guarantor lenders that we work with are approved by the FCA (Financial Conduct Authority)

There are still many loan companies that specialise in helping people without a guarantor. The main differences between them come down to the APR. Most guarantor loans are cheaper than standard bad credit loans because the lender has the extra security of the guarantor (who can pay the loan if you can’t) and so can offer a lower rate.

What’s a guarantor?

A guarantor is normally a friend or family member who backs up or your loan application. This means that they have to cover the repayments if you miss one.

Things to remember about no guarantor loans:

‘Loans without a guarantor’ tends to mean loans for people with poor credit history and no guarantor Payday loans are a type of loan that often does not require a guarantor High APRs and charges are a common feature with these lenders

How do I get a no guarantor loan?

Using the sliders above pick your loan amount and term Fill out our 2-minute application form. We will search lenders that will accept you based on the information you have submitted to us. Complete final checks with your chosen lender If approved you can receive the funds in as quickly as 15 minutes

What do you need to be eligible for a no guarantor loan?

Lenders acceptance require that you are:

  • A UK-residents
  • Be aged 18 or above.
  • Not on an active bankruptcy, IVA or equivalent
  • Have a valid UK bank account with an active debit card
  • Have a regular income

Should I apply for a loan without a guarantor?

Before you apply, ask yourself these questions:

  • Can I afford the repayments on a no guarantor loan each month?
  • Is there another way I can access the money (for example borrowing from a friend or family)
  • How much money do I need to borrow?
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk