No Guarantor Loans Beyond Credit Score Effect

Nothing challenging than asking for funds with a less-than-perfect credit score. At the same time, the challenge becomes more severe when no one agrees to take your guarantee during the loan contract. For this situation, we have come up with a bespoke offer called no guarantor loans for bad credit people.

It is a sort of short-term loan and beneficial during the extreme emergency of funds. Once you straightaway apply for the loans, we disburse the amount right after a few minutes of loan approval.

The facility of no guarantor required is primarily for the people with low credit profiles, but we are also offering this to the first-time borrowers. They also find it tough to arrange a guarantor due to a lack of their credit profile.

The loans for bad credit with no guarantor exemption come with the following BENEFITS:-

Quick Loan Process

You can save your time in not to find out the guarantor. Instead, with no guarantor needed, you can immediately start applying for the loans.

A Chance of Credit Score Improvement

The acceptance of the loan application despite poor credit shows that you have the ideal chance of improving it with timely repayment.

No Need to Approach a Broker

Why approach a mediator to reach us? We are the direct lender in the UK, and we have a vast presence to offer personalized loan deals.

When Should I Apply For No Guarantor Loans?

Usually, people apply for the loans when they do not have funds to carry on any financial NEED. We create the opportunity for you to apply for the loans for bad credit with no guarantor and on benefits to fulfill the financial ASPIRATION as well. Here are the few circumstances where these loans prove beneficial:

To Pay the Medical Bills

The ongoing pandemic situation has badly affected the individual’s health, and the costly treatment creates more burdens on their pockets. Our loan deals are designed as such through which you can pay the medical bills or purchase medicines to have better treatment.

To Purchase Any Gadget

Do you want to make your home more security prone? Of course, you want to borrow money from us and purchase the gadgets to secure your home from every corner. With easy repayment terms, you can comfortably repay the loan as per the prescribed schedule.

To Fund Your Business Need

Unlike other private lenders in the UK, we have the provision for funding your business needs as well with our no guarantor loans. You only require familiarising us with your purposes. We can frame the loan deal accordingly and give a chance to expand your business more.

loans no guarantor

To Remove CCJ Blot

Yes, our lending doors are also available for people with adverse credit scores or those having CCJ against their names. We have specialized a loan deal that is known as very bad credit loans with no guarantor from a direct lender. Apply for these loans, repay on time, and remove CCJ against your name.

Why Is Direct Lending Ideal For Loans With No Guarantor?

As the responsive UK direct lender, we do not believe in mere promises with no or little implementation at all. When we commit something, we make it practical within the time limit. We vouch for giving the alternatives to those borrowers who are looking for bad credit loans on guaranteed approval and with no guarantor from the direct lender.

The biggest benefit of direct or online lending comes in your favor is that it makes the availability of loans from anywhere in the UK. No matter whether you are residing in Glasgow or Bristol, you only need to explore the search engines, and you will get plenty of direct lenders.

However, you should compare various lenders to get reasonable interest rates and manageable repayment terms.

loan without guarantor

It is vital to mention here is that the interest rates may vary from city to city as this is part of the flexible policy of the direct lenders. Suppose individuals belong to Edinburgh may have different interest rates on no guarantor loans than those living in Coventry.

Despite the flexibility, the approval rates are higher for everyone living in the UK, and it can happen only from the direct lenders.

Only your mistakes or insincerity towards the loan process can harm your chances of loan approval; otherwise, we can ensure you the guaranteed approval irrespective of credit score and employment status.

Same Financial Treatment For Unemployed Too

Our lending gates do not discriminate in terms of the employment status of the borrowers. When we have exciting loan deals for the employed people comprising low-interest rates, we also have customized offers on loans for unemployed with bad credit, and no guarantor is there.

  • We can agree on your loan application despite no full-time job, but we expect that you must have some earning on a PART-TIME basis.
  • If you are gaining some unwaged benefits from the governments. We are ready to accept those as the SOURCES OF REPAYMENTS.
  • We have the equal lending opportunity for self-employed people, too, as they can borrow funds to accomplish their purposes.

Get Additional Exemption Of No Credit Check At aonefinance

Is your credit score not enough to attract the loans from the lending market? Nothing to worry because we give the right platform to seek bad credit loans with no guarantor and no credit check as the trustworthy direct lender in the UK.

We do not refer to any credit reference agency to know your credit score. If you are curious to know your credit score, then it will be your personal decision. We are committed to the guarantor's approval no matter what your credit score is.

As far as interest rates are concerned, you should know that with bad or very bad credit score, you might have to pay slightly higher interest rates to avail the loans. However, we can assure you that our rates would be comfortable for your pocket.

Therefore, what are you thinking for? Go on with our no credit check loans, and indeed, no guarantor is compulsory either.


It is where direct lending is at its best. As being part of new-age lending, we do not shy away from allowing growing your finances. Are you continuously dealing with large funding issues? If yes, then it is the time to approach us with keeping away your low credit profile. Come and apply for long term loans for bad credit available with no guarantor too.

Surprised? We have made this a reality. Avail long term funding with us without any guarantor required.

Short Term Loans with No Guarantor Medium-Term Loans with No Guarantor Long Term Loans with No
You can avail the amount from £1000 to £5000 Borrow the amount from £5000 to £10000 Want long term funding? Easily avail amount from £10000 to £25000
100% Online Loan Process 100% Online Loan Process 100% Online Loan Process
No Collateral is Required No Collateral is Required Collateral is not mandatory
Available for any credit score From Good to Bad, every credit score is welcomed Individuals with good and fair credit score have a nice chance, but bad credit can be considered
Loan term starts from 3 months to 12 months Avail the loans from 3 months to 36 months Repay the loan easily during the term of 6 months - 60 months
No Credit Check No Credit Perusal Soft Credit Score

aonefinance performs everything that can favour the borrowers on every aspect. Apply for fast loans with no guarantor now, and we are ready to assist you with no fees and instant decision on your application is for sure.


What are the best no guarantor loans in 2020?

Credit loans involve unsecured loans, payday loans, bad credit loans and flexible repayment loans are such loans that can be known as the best no guarantor loans in 2020.

How to Get a COVID-19 Loan with Bad Credit and No Guarantor?

You can apply for bad credit loans with no guarantor from the direct lenders that offer loans to provide relief during crises. In addition, loans under Salary finance provide financial health to the employees. Some reputed credit companies offer payday alternative loans and emergency loans which can deal with the problems generated in a crises.

Can I pay my loan amount before tenure and How?

Yes, you can pay off the loan before the tenure. However, you need to make sure that your agreement has no clause about prepayment penalty. Some reputed direct lenders like aonefinance does not charge early repayment fees, but some lenders do charge fees.

If you want to pay off the loan before the tenure, inform your lender before two weeks, so they can tell you if there is any formality to be done.

Can I apply for this loan if I am over 60?

Yes, you can apply for no guarantor loans for bad credit even if you are over 60. However, if you are retired, your pension, government allowances, rental income or any other fixed-income source will be considered as a basis for deciding the disbursal limit.

How can I get a loan with bad credit and no guarantor?

In order to get a loan with bad credit and no guarantor, you need to fill up the application form first. When you submit the form, you will have to wait until the lender approves it. Once the pre-approval stage is done, you will have to submit your income statement that the lender will evaluate to know if you can afford the loan. If everything goes fine, the lender will transfer money directly to your bank account.

Is it possible to get a no guarantor loan with bad credit?

Yes, it is certainly possible to get a no guarantor loan with a poor credit situation on specific terms and conditions. Past poor credit history is acceptable if you have improved recent financial behaviour. It means if you have paid the bills and debts on time in the recent months. There should be a regular source of income to prove your repaying capacity.

Are no guarantor loans available instantly?

Yes, the no guarantor loans are instantly available because they have the feature of the instant approval decision. It means, soon after you submit the application, you get to know the result as an approval decision. After that, fund transfer happens in a short time. Also, the approval rate is 99% which means without any time waste. You can expect approval on your application.

What are the alternatives to a no guarantor loan?

No guarantor loan is a short-term loan, and its alternatives are more or less the same. Personal loans, short-term loans, loans for bad credit (in case of poor credit score), instant cash loans etc., are some of the most relatable alternatives of no guarantor loans. But you should know that these also have no obligation of providing a guarantor. Only the features and loan amount limits can be different.

Why Choose No Guarantor Loans on Same Day Payout

Apply Online and get cash as soon as into your pocket.

  • You don’t have to reveal you situation to anyone
  • Take your bad credit to good on your own
  • Instant solution to your small funding issues
Representative example
  • Amount of Borrowing

    £1,500 over 6 Months
  • A Variable Representative of

    11.8% APR
  • Monthly Repayment Amount


Borrowers must be UK residents and aged 18 or over. Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: Late repayment can cause you serious money problems.
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