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No Guarantor Loans

If you have bad credit or a poor credit history, this can be a barrier to you finding the finance you need, and what's more, you can often need a guarantor to secure a loan before you take one out. This can make borrowing loans without guarantor help difficult, perhaps even near-impossible.

However, with Finio Loans, you can apply for an online loan with no guarantor required. In other words, we could help you secure the finance you're looking for.


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Check my eligibility

( It won’t affect your credit score )

Representative 39.9% APR

Representative 39.9% APR

Representative example

Borrowing £2,000 over 24 months at Representative 39.9% APR and Interest rate 39.9% p.a. (fixed) with monthly repayments of £116.07 and a total amount payable of £2,785.68 This example is for illustration purposes only. The rate and / or term you are offered is dependent on your individual circumstances Rates from 39.9% APR to maximum 69.9% APR. Loan terms from 12 to 36 months.

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We have no guarantor loans available from as little as £500 up to £5,000. Plus, there are different repayment periods to choose, from 12 months to 36 months. Such variety in our loan lengths means you could find loans to pay your bills, consolidate debts, pay for holidays and more, without worrying about bad credit being an issue.

Applying for one of our no guarantor loans is also quick and easy and can be done online. Any quote you receive is obligation-free and won't affect your credit score.

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Why apply for a no guarantor loan?

There are plenty of other reasons you should choose Finio Loans, in addition to our range of no guarantor loans:

  • Borrowing money should be transparent. There won't be any hidden or additional fees to pay, our costs are honest and upfront

  • Monthly repayments on any of our unsecured loans with no guarantor can be managed online

  • You won't face any charges if you pay your no guarantor loan back early

  • We're one of only a few providers that can offer no guarantor loans from as little as £500 for short term loans

  • Checking eligibility for no guarantor loans won’t affect your credit score.

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Loans with No Guarantor: Get a Quote Online

All we need are a few personal details from you about your financial situation for you to apply for a commitment-free quote online. You can then receive an instant decision and find out what no guarantor loan we could offer you and what repayment plans are available. With this information you can then look to make an informed decision about which of our loans is right for you.

Once your application is sent and completed, we aim to pay money into your bank account the same day you are approved. During busy times, it may take up to 5 working days.


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Total repayable

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Check my eligibility

( It won’t affect your credit score )

Representative 39.9% APR

Frequently answered questions

What is a guarantor?

A guarantor is someone who co-signs your loan with you. If you can’t keep up with your payments, they become responsible for covering them instead. Your guarantor should be someone who trusts and is willing to support you, that could be a close friend, family member or even a work colleague.

Often guarantors are required to be between 21 and 75, a UK resident, earn enough to satisfy the repayments and have a strong credit history.

A no guarantor loan means there's no need for a guarantor.

What is a no guarantor loan?

A no guarantor loan means there’s no need for an extra person, ideal for those with no one available to support them financially, or wanting to be financially independent despite having bad credit. You alone are responsible for making your repayments on time.

Is it more expensive to get a loan without a guarantor?

Without the safety net of a guarantor, you might see higher APRs due to the increased risks.

Usually those with bad credit will pay a higher interest rate, although this is not always the case and here at Finio Loans you can expect competitive rates for no guarantor loans.

Why would you apply for loans without a guarantor?

Finding a guarantor can sometimes be difficult, especially depending on a lender’s criteria. A guarantor may have to be a homeowner, or earn above a certain amount. Sometimes it’s just not possible to find someone.

Alternatively, you might just not want to financially burden anyone else, choosing to deal with it yourself. A no guarantor loan prevents any of that potential stress and makes it possible for those with bad credit, who may not have been able to take out a loan before, to apply.

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

Yes, it is certainly possible. We offer bad credit loans for those who cannot secure a guarantor, but you may find the interest rates are slightly higher. You’ll still have a credit check, but poor credit won’t necessarily prevent you from borrowing money if you can afford the repayments.

What loans can I get without a guarantor?

Here at Finio Loans, there are many different types of loans available, offering from £500 up to £10,000. These loans can be repaid over a chosen period from 12 months to 60 months.

Will I be eligible for a no guarantor loan?

Your eligibility for a no guarantor loan is dependent on our criteria. We’ll first take a look at your address, bank details, credit history and employment circumstances. Typically, we expect applicants to be employed with a regular source of income. You’ll also need to verify your age (18+), identity and a UK address.

What can I do if I am struggling to repay my debts?

If you find yourself struggling with your debts and require assistance or advice. You can speak to the companies below, free of charge. Alternatively, give us a call directly on 0208 080 6457 (existing customers).

Money Advice Service


National Debtline

You may also want to calculate how affordable your loan is for you before applying. The Citizens Advice Bureau’s budget sheet is a helpful tool to answer that.

How much can I borrow without a guarantor?

You can borrow between £500 and £5,000 with our no guarantor loans.

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Loans for Bad Credit

We offer loans for people with bad credit of up to £5,000, that could provide you with the finance you need and applying is quick and simple.

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Instalment Loans

You can apply for a variety of instalment loans online with different monthly payment options, quickly and easily with us. Our instalment loans can range from £500 to £5,000.

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Unsecured loans

Unsecured Loans are often a popular option for funding everyday things, such as a new car, home improvements or even holidays, and you could be eligible.