What are No Guarantor Loans?

A No guarantor loans are personal loans where you do not need to include a guarantor or a second party to co-sign the repayment of your loan amount. These types of loans can become a great financial aid for the borrowers, who do not have anyone to support them during their inability to repay.

At Everyone Loan UK, we follow a different approach for the individuals where they can easily, or directly, apply for the loans without guarantor.

What are the Main Characteristics of Our No Guarantor Loans?

Traditionally, it has been assumed that the presence of the guarantor is crucial to attract the low-interest rates and to get large funds. But situations do arise like bad credit or unemployment where no one would agree to take your guarantee. In such a tricky condition, we give you an opportunity to apply for the loans without guarantor needed. No upfront fees and instant loan approval will save your time and money so that you have a chance of removing your financial issues early.

Take a look below to know what the features of no guarantor loans that we are offering:

  • Customised loan offers
  • Easy-to-Apply loans
  • Competitive APRs
  • Flexible Repayment Terms

Benefits of Loan with No Guarantor for Bad Credit People

If you are urgently seeking an approval on a personal loan but have no reliable person to co-sign, then nothing to worry. Everyone Loan UK provides no guarantor loans for bad credit people that they can avail at flexible terms. Our no credit check policy presents the additional advantage of loans for bad credit people, who are already eligible even with no guarantor is there.

These short-term loans work precisely the ways you want them to be. As you see, there are several benefits of direct lender loans where people with low credit score can qualify with no guarantor and no fees are levied on them. Take a look at the benefits:

  • Lowest Annual Percentage Rate (APR)
  • The loan is approved by looking at your financial status
  • No or soft credit check is required
  • 24 by 7 assistance
  • No advance broker payments
  • Your loan processing is almost instant
  • No need to pay any surprising cost
  • Special benefits for first-time borrowers

How do I Apply for No Guarantor Loans with Bad Credit Ratings?

If you are unable to derive a loan due to any reason, you are asked to furnish a guarantor. Now, as soon as you arrange a guarantor, you get the instant approval of funds.

At Everyone Loan UK, you can borrow funds on easy terms and flexible paying options even without a guarantor and have a poor credit score. Take a look at the ways to borrow money on flexible norms.

Step One: Apply through the online form, mention all the personal details and send it to us to get an early benefit of no credit check and no guarantor requirements.

Step Two: After going through the application, we decide that if you can make repayments on time. This is when your financial status and credit history are verified.

Step Three: After you have been evaluated for your current financial status, we make a loan decision to approve you funds.

Note: We expect from our borrowers that they will sincerely follow the procedure and inform us true personal details including the repayment capacity. In a scenario where you feel difficulty in making repayments, you should connect with us as soon as possible. We do not charge early repayment charges on bad credit loans with no guarantor obligation.

Features of No Guarantor Loans for Unemployed People

When anything comes forth related to your finances during unemployment, it becomes crucial to consider all the figures and facts before you go ahead and fill out the application form for a loan approval. This is because it may directly affect your credit score.

At Everyone Loan UK, Availing funds through loans without guarantor for unemployed people is nothing a tough process. The procedure will remain online, and the instant loan approval is always there. Here are the key features:

  • Easy approval based on your part-time income
  • Borrowing limit is same as other borrowers are eligible for
  • Acceptance on unemployment benefits as the source of repayments
  • Unemployed people with bad credit score are also qualified
  • No income proof required up to £2000 amount

Why Only Everyone Loan UK for No Guarantor Loan Deals?

Do you want reasons to choose us? Well, you’ll have plenty of them, such as:

  • We do not ask you to produce a guarantor while offering such no credit check loans on instant decision facility.
  • Nor we expect you to own good credit ratings as we facilitate guarantor-free bad credit loans.
  • You can apply for any amount you wish and can receive funds as soon as your details are verified.
  • The best part about these loans is that you do not need any additional paperwork.
  • You can easily derive your funds at short notice to better stabilise your poor financial condition, just like we assist in our deals on no guarantor unemployed loans.
  • ‘Convenience’ is the exact motive to describe for our personalised service. You can quickly reach us with no guarantor and no broker is required.

These are enough reasons to choose us as your direct lender in the UK to apply for no guarantor loans. If yes, then start now.

Why Do You Need A Guarantor?

Before letting you know about why do you need a guarantor, let us first throw some light on why should you become a guarantor for a loan?

If you agree to become a guarantor for someone, you need to take a serious financial responsibility on your shoulders. This is because if your borrower fails to settle his loan amount, then you have to do it instead.

Guarantors are the most concrete part of guarantor loans. If they are not accessible due to any reason, you will not be able to sanction the loan amount.

At Everyone Loan UK, we swiftly offer you loans without asking for a guarantor. You may require a guarantor if you-

  • Wish to borrow funds for the first time
  • Cannot build trust that you can pay the loan amount


Can you get a personal loan with a credit score of 550?

Yes, you can. Everyone Loans offers personal loans for all credit score holders. You are welcome as a borrower even if you have a score of 550. Our guarantor-free bad credit loans are convenient and suitable for all your financial needs. We do not judge applicants based on their credit histories, but rather their present repayment capacities.

How can I get a no guarantor loan without a credit check?

For this, you need to apply for a no credit check loan. The presence of a guarantor is not mandatory as long as you have the ability to make the repayments on time. You are free to apply for any loan amount based on your requirement and the money is credited into your bank account within minutes of approval.

Can I get a loan with bad credit and no guarantor?

Indeed you can. We have custom designed bad credit loans where guarantor presence in not essential. Just click on apply and we do the rest. We base our application assessment in finding reasons to approve a loan, and not why we should reject it. Guarantor-free bad credit loans also help you in building your credit score and fight your financial hardship as well.

How can I borrow money without a guarantor?

Everyone Loans has a simple application and flexible repayment process for loans without guarantor presence. Once you submit the online form, we assess your affordability. After verification of your financial status, approval is granted for your credit. You just have to wait for a few minutes after that to receive the funds in your official bank account.

Can you get a loan if you are on benefits?

Even if you are surviving on benefits, you are eligible to get a short-term loan from us. The monthly benefits that you are get act as our security that you would be able to repay the borrowed amount. We design our loan deals based on the personal circumstances of people. Thus we understand that surviving on benefits can be challenging at times and you may need to borrow money.

Can I get a loan with very poor credit?

Yes, you can get a loan if you have a very poor credit score. Our loan approvals are not biased towards good credit score holders. We believe that even bad credit histories can come with stable income sources of an applicant. You can rely on us for getting monetary help during emergencies, despite the poor condition of your credit score.