No guarantor loans

Borrow money without the need for a friend or family member to guarantee repayment of the loan.

What are no guarantor loans?

No guarantor loans are a form of short-term loan designed for people with bad credit, where you are responsible for repaying the total debt. These are the opposite of guarantor loans, where a friend or relative will co-sign the loan agreement to say that if you default on the loan repayments, they will make the repayments on your behalf.

If you have a less than perfect credit history – especially if you have previously had trouble meeting loan repayments - some personal loan lenders will require a form of security before they will lend you money. The guarantor provides this security.

What are the advantages of non guarantor loans?

We understand that it can be awkward asking someone to co-sign a loan agreement with you – after all, it’s your money and your business. The good news is that no guarantor loans for bad credit do exist.

To find out more about how Instant Lolly can help you, take a look here.

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No guarantor loans for bad credit

If you have experienced financial difficulty in the past – or perhaps you are on a limited income – you may think that no guarantor loans with bad credit are unavailable to you.

However, there are providers of bad credit loans who can help. These can be in the form of a payday loan, cash loan or other types of personal loans.

I have poor credit — will I be eligible to get a loan with no guarantor?

Yes, providing you meet the other eligibility criteria, then you can apply for a no guarantor loan, even if you have poor credit. Please do note, however, that as a responsible short-term loan provider, we may not be able to provide the loan you request if we feel it isn't appropriate for you. In this case, we may offer you a loan for a smaller amount, ask that you get a guarantor, or completely decline your loan application.

Fast no guarantor loans

At Instant Lolly, we work with specialist providers of fast no guarantor loans in the UK to provide you access to cash loans, when you need them.

Our service is designed to be as easy and straightforward as possible. So, if you have bad credit and want a short-term loan, simply fill in our quick online application form, and we will give you an almost instant answer.

How can Instant Lolly help me get a loan?

Simply apply for your no guarantor loans online, tell us how much you'd like to borrow and over what period of time (we offer one-month loans right up to 12 and 24-month loans), and we'll match you to a suitable UK lender fast.

If your application is accepted, the loan could reach your bank account in as little as 15 minutes!

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No guarantor loans from Instant Lolly

Flexible borrowing — choose from a large range of short-term and payday loans.

Flexible borrowing

Choose an amount and repayment term that's right for you. We offer loans from £100 to £3000 over 1 to 24 months.

Help to get accepted for a loan — for people with good and bad credit.

Help to get accepted

Fill out our short form and we'll ensure your application reaches all the right lenders for the best chance of approval.

Fast funding — quick online loans, transferred in under an hour.

Fast funding

You'll get a decision in seconds and money transferred to your bank as quick as 15 minutes once you're approved.

Convenient online loans — access the best UK direct lenders in one place.

Online convenience

Apply securely online: 24 hours a day, seven days a week — via mobile, desktop or tablet. Oh, and it's totally FREE too!

No guarantor loan FAQs

Are no guarantor loans without credit checks available?

No guarantor loans without a credit check do not exist. You should be wary of any payday lender who says they offer bad credit instant loans without a credit check. Lenders are legally required to check the credit file of any loan applicant to ensure that they will be able to repay any lending comfortably.

Is it better to apply for no guarantor loans through direct lenders or brokers?

As each direct lender may have different criteria for approving a bad credit loan, it is difficult knowing which one to go to.

If you use a loan broker, however, you are getting access to a number of no guarantor direct lenders. The broker will use their expertise to match you to the most suitable loan companies – saving you time and effort.

Can I get a no guarantor loan if I am unemployed?

If you are unemployed but still have some form of income, then no guarantor loans for unemployed people may be available to you. So, if you are a student with a part-time job, or you are a retired person with a pension income, for example, then we’d be delighted to see how we can help.

Are no guarantor loans the same as unsecured loans?

Yes. In both cases, if you have a no guarantor loan or an unsecured loan, this means that the lender has not asked for security (such as a guarantor who will repay the loan if you don’t, or an asset they can seize if you default on your repayments) to approve the loan. Unsecured loans are based on your creditworthiness alone.

Worried about bad credit?Check your eligibility without affecting your credit score


If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lenders approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search, which will be visible to any company searching your credit report for 12 months.