Are you looking for a loan with no guarantor? Apply now for up to £1100 and have the money in your bank account same day, if approved! The application process is easy with no guarantor or paperwork needed. The best part is that you really don’t need to worry about your credit score. Fast loans, no guarantor, no hassle.

Your No Guarantor Loan Information Card
  • You can get a no guarantor loan from £200 to £1100
  • Feel free to apply, even with a bad credit score
  • You can repay your no guarantor loan in up to 4 instalments
How Much Can I Borrow?
  • 3 minutes to complete the online application form
  • 90 seconds instant lending decision
  • 1 hour from approval, the money should be in your bank account

* Average numbers

How Fast Can I have the Money?
  • We are an FCA authorised no guarantor loans direct lender.
  • We welcome people with bad-credit
  • Unsecured loans, no guarantor needed
Why Cashfloat?
FAQs about No Guarantor Loans

No guarantor loans in the UK

Getting an unsecured loan in the UK is relatively easy to do. With the rising use of the Internet, same day no guarantor loans are becoming more and more available online. However, loans with no guarantor have a downside of being more expensive than loans with a guarantor. Also, unlike unsecured no guarantor loans, you can get a guarantor loan even if you are unemployed or on benefits as long as you have collateral (such as a home or car) to secure your loan with.

Still, with all the benefits, guarantor loans involve a lot of paperwork and time. So, if you’re in a rush or you simply don’t want any strings attached, quick loans with no guarantor online are a safe option to consider as long as the lender is authorised and regulated by the Financial Conduct Authority.


Loans for bad credit no guarantor

Need a loan but have bad credit? Although your chances of approval are higher if you have a guarantor, a no guarantor loan may be simpler for you. There is no paperwork, no hassle and you can get funded same day even with bad credit.

Can I apply for bad credit loans with no guarantor and no credit check?

Can I get very bad credit loans with no guarantor and no broker from Cashfloat?

It’s not recommended to apply for no guarantor loans with no credit check. Besides for being illegal, they can be dangerous too. According to the FCA, all lenders in the UK must perform a credit check before approving a no-guarantor loan. As an FCA regulated lender, we provide safe payday loans with no guarantor. If you have bad credit, you can still apply! Don’t put your safety at risk with no credit check loans.

Cashfloat is a trusted no guarantor payday loans direct lender in the UK. There are no hidden fees, no application fees and definitely no broker fees! When you have very bad credit, applying for loans with no guarantor from a direct lender rather than a broker is safer as it ensures that your credit report will only be accessed by one lender. If too many lenders look at your credit report, it can damage your credit score further.


Guarantor Loans

When you have a guarantor on a loan, the guarantor will have to pay the debt if you can’t. With guarantor loans, lenders will usually lend you more money for more time as they’re more sure of getting their money back. Since it can be hard to find a guarantor, many search for loans with no guarantor. These tend to be short term loans for for smaller amounts.

Do guarantor loans have a lower APR?

Can I find guarantor loans with instant payout?

It’s often cheaper to get a guarantor loan rather than a no-guarantor loan as there’s less risk involved for the lender. If you have bad credit, no guarantor lenders may still accept your loan application but with a higher APR. If your credit is really bad, you might be better off applying for low interest guarantor loans. At Cashfloat, we do our best to provide low APR loans for bad credit with no guarantor. If we can’t help you, cheap guarantor loans could be another alternative.

Naturally, guarantor loans take longer to arrange as lenders will want to look into your proposed guarantor’s credit history etc. The best guarantor loans will be the ones that manage to carry out the process as swiftly as possible. To find the best guarantor loans direct lenders, you’ll need to compare guarantor loans online to see which lenders offer the features that you are looking for. If you’re only after a small loan, you can avoid the hassle of finding a guarantor and look for a no guarantor loan instead.

Why Should I Trust Cashfloat?

Here at Cashfloat, we provide loans with no guarantor from a direct lender. As a firm regulated by the Financial Conduct Authority, we always put the safety of our borrowers first and carry out traditional credit checks on all applications. As transparency is one of our core beliefs, we are completely open about our interest rates and charges. Cashfloat has already helped tens of thousands of UK customers in the UK – we’re here for you!


No guarantor loans are easy to find online if you are just looking for a loan up to £1100. At Cashfloat, we give you an instant decision and your loan can be in your bank account within an hour, if approved. Worried about your bad credit score? Cashfloat specialises in bad credit loans – no guarantor, guaranteed!

Written by: Becky Hall
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