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The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert

Lending Experts

We’re credit experts. This means we know our stuff when it comes to loans! We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one lender which means we can search the wider market to find you the cheapest no guarantor loans from across the UK.

Approved & Regulated

Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a loan we can consider your application. Whatever your circumstances please get in touch to see how Lending Expert can help.

Before you apply for a loan with one of the lenders above ensure that you have a suitable guarantor in place who has agreed to act on your behalf and understands the responsibilities. This will help speed up your application process and make the process easier when you come to apply.


What Are No Guarantor Loans?

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.


Why Would I Want a Loan With No Guarantor Required?

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.

How Much Can I Borrow with a Non 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.


What is the Criteria?

  • Over 18 years of age
  • UK residents only
  • Employed and able to afford repayments
  • Valid UK mobile phone and email address
  • UK bank account
  • No guarantor required
  • May be subject to credit status or security

How To Get a Loan Without a Guarantor

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.


Can I Get a No Guarantor Loan from a Direct Lender?

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.


How to Apply for No Guarantor Loans with Lending Expert?

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.

Related Links

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Apply for unsecured loans with repayment terms from 1 - 25 years. Solutions for all credit types from our panel of direct lenders and brokers.

Secured Loans

Compare secured loan with our approved secured loan brokers at Lending Expert. Get expert advice and a quick quote online.

Guarantor Loans

Apply and get the loan you need with the help of a guarantor. Compare the cheapest guarantor lenders on Lending Expert.

Business Loans

Get the business you need from our finance brokers and direct lenders online. Check your eligibility with Lending Expert.

Payday Loans

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Homeowner Loans

Loans for UK homeowners. Get expert advice from Lending Experts' brokers.

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Bridging Loans

Apply online and get short term bridging finance with our expert loan brokers.

Bad Credit Loans

If you have credit issues then we can still help. Lending Expert will check your eligibility and you can apply direct online today.

Logbook Loans

Compare and apply with UK logbook lenders online here at Lending Expert.

Debt Consolidation Loans

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No Guarantor Loans

Get a bad credit loan with no guarantor required today. Check your eligibility and apply online today with Lending Expert.