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No guarantor loans are the types of loans where you do not require a guarantor to be eligible or approved. The role of the guarantor has become important in recent years, helping those with less than perfect credit scores to gain access to finance, with the help of someone they know to be a guarantor and co-sign their loan agreement.
The idea of a guarantor is that they add extra security to your loan and if you cannot make repayments, it gives the lender confidence that the other person can step up and cover the repayments on your behalf.
For many people with adverse credit histories, they might feel that being offered a guarantor loan is their only option, but there are a lot of non guarantor loan products available from Lending Expert, including:
You can compare the different options using our comparison table provided and simply click on ‘check eligibility’ to get started today. We work with direct lenders only and if approved, you should be able to receive funds on the same day of applying.
Whilst working with a guarantor can be an effective way to access funds, some people do not want the hassle of having to find a guarantor or add financial obligations to their personal relationships i.e with a family member or friend.
In some cases, it can be hard to find a suitable guarantor, such as someone who has a very strong credit rating and a homeowner status. Similarly, you need to find a guarantor who has disposable income and is potentially willing to financially cover large amounts such as £5,000, £10,000 or £20,000.
Instead, many borrowers prefer to deal directly with the lender and have no other parties involved, hence their desire to apply for a no guarantor loan.
If you are looking to borrow money with no guarantor, the amount varies between £50 to £50,000, however this will depend on various factors such as your income, credit status and if you are using other forms of security.
If you are using collateral such as your car or home, this could potentially help you borrow large amounts, since you are leveraging the value of these assets to borrow money. These assets could be at risk of repossession if you cannot keep up with your payments on time. See secured loan brokers for more information.
Otherwise, there is the unsecured loans option and this could give you access to a maximum of £25,000 or £50,000, although you will need to demonstrate a stable income and good credit history when applying.
For loans with no guarantor required, you will need to be strong in other areas of the application, including:
Good or fair credit score – Your credit score is a numerical value that highlights your creditworthiness and how well you have paid other types of credit cards, loans, utility bills, car payments and other financial obligations. With a good or fair credit history, it shows that you will be more likely to pay off your loan on-time, so you can apply on your own worth and do not require a guarantor.
Stable income and employment – With a stable income and regular employment, this means that you should have money regularly coming in to cover your monthly loan repayments. Most lenders will request proof of income via a payslip or bank statement.
Low debt-to-loan ratio – Although you may have a good credit score and stable income, this could be compromised if you have a lot of ongoing and outstanding debts, whether it is having a mortgage, multiple loans open, high school fees or living expenses. Therefore, no guarantor lenders will try to better understand your expenses and affordability when deciding your eligibility for a loan.
Yes, at Lending Expert, we work with direct lenders only – so you have peace of mind knowing that your application will be processed by the same lender from start to finish and there are no other brokers or parties involved.
We treat your information very carefully and will not share your loan requirements or personal data to any other companies without your consent.
To apply for loans without guarantors, simply click on ‘check eligibility’ and start completing our application today in less than 5 minutes.
We will be able to give you a provisional quote on the screen and highlight the next steps to getting the finance you need.
We work with the whole of the UK lending market, including secured and unsecured lenders – and we can help find the best lender and terms for you. There are no fees for using our service and applying will not impact your credit score. For more information, please visit our FAQs or contact us directly to find out more.
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