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Comparison of specialist no-guarantor loans

Table: sorted by representative APR, promoted deals first

18 of 21 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
8Great Lendable Personal Loan	8Great	£1,000 - £25,000	1 year - 5 years	3%	£155.84 (£5,610.37 overall) Representative Example: Representative 20.4% APR fixed. Based on a loan of £4,000 and £120 arrangement fee for 36 months at 23.5% p.a. Total £5,610.37 repayable at £155.84 per month.	Representative Example: Representative 20.4% APR fixed. Based on a loan of £7,500 and £445 arrangement fee for 36 months at 15.7% p.a. Total £9,857.52 repayable at £273.82 per month.	Check eligibility View details Compare product selectionCompare	loading
Not yet rated Sainsbury's Money Personal Loan (Nectar)	Not yet rated	£1,000 - £35,000	1 year - 10 years	0%	£148.42 (£5,343.05 overall) Representative Example: Representative 21.8% APR fixed. Based on a loan of £4,000 for 36 months at 21.8% p.a. Total £5,343.05 repayable at £148.42 per month.	Check eligibility View details Compare product selectionCompare	loading
Not yet rated Sainsbury's Money Personal Loan (Non-Nectar)	Not yet rated	£1,000 - £35,000	1 year - 10 years	0%	£148.59 (£5,349.16 overall) Representative Example: Representative 21.9% APR fixed. Based on a loan of £4,000 for 36 months at 21.9% p.a. Total £5,349.16 repayable at £148.59 per month.	Check eligibility View details Compare product selectionCompare	loading
6.4Standard Novuna Personal Loan	6.4Standard	£1,000 - £35,000	2 years - 7 years	0%	£128.78 (£4,635.90 overall) Representative Example: Representative 10.3% APR fixed. Based on a loan of £4,000 for 36 months at 10.3% p.a. Total £4,635.9 repayable at £128.78 per month.	Representative Example: Representative 6.9% APR fixed. Based on a loan of £7,500 for 60 months at 6.9% p.a. Total £8,846.4 repayable at £147.44 per month.	Check eligibility View details Compare product selectionCompare	loading
7.5Great Shawbrook Bank Personal Loan	7.5Great	£1,000 - £50,000	1 year - 7 years	0%	£135.28 (£4,870.21 overall) Representative Example: Representative 14.1% APR fixed. Based on a loan of £4,000 for 36 months at 14.1% p.a. Total £4,870.21 repayable at £135.28 per month.	Representative Example: Representative 14.1% APR fixed. Based on a loan of £10,000 for 60 months at 14.1% p.a. Total £13,732.84 repayable at £228.88 per month.	Check eligibility View details Compare product selectionCompare	loading
5.5Standard Plata Personal Loan	5.5Standard	£2,000 - £35,000	1 year - 5 years	0%	£136.65 (£4,919.47 overall) Representative Example: Representative 14.9% APR fixed. Based on a loan of £4,000 for 36 months at 14.9% p.a. Total £4,919.47 repayable at £136.65 per month.	Representative Example: Representative 14.9% APR fixed. Based on a loan of £7,000 for 36 months at 13.97% p.a. Total £8,609.09 repayable at £239.14 per month.	Check eligibility View details Compare product selectionCompare	loading
Not yet rated Kroo Bank Personal Loan	Not yet rated	£1,000 - £25,000	1 year - 5 years	0%	£136.65 (£4,919.47 overall) Representative Example: Representative 14.9% APR fixed. Based on a loan of £4,000 for 36 months at 14.9% p.a. Total £4,919.47 repayable at £136.65 per month.	Check eligibility View details Compare product selectionCompare	loading
6.4Standard Fluro Personal Loan	6.4Standard	£3,000 - £25,000	1 year - 5 years	From £250 – £250	£146.83 (£5,285.79 overall) Representative Example: Representative 16.5% APR fixed. Based on a loan of £4,000 and £250 arrangement fee for 36 months at 15.8% p.a. Total £5,285.79 repayable at £146.83 per month.	Representative Example: Representative 16.5% APR fixed. Based on a loan of £7,500 and £250 arrangement fee for 48 months at 14.5% p.a. Total £10,086.72 repayable at £210.14 per month.	Check eligibility View details Compare product selectionCompare	loading
6.3Standard Abound Personal Loan Finder Award	6.3Standard	£2,000 - £12,000	1 year - 5 years	From £100 – £100	N/A	Representative Example: Representative 21.8% APR fixed. Based on a loan of £5,000 and £250 arrangement fee for 36 months at 17.7% p.a. Total £6,693.12 repayable at £185.92 per month.	Check eligibility View details Compare product selectionCompare	loading
Not yet rated Monzo Personal Loan	Not yet rated	£200 - £35,000	3 months - 7 years	0%	£150.46 (£5,416.42 overall) Representative Example: Representative 23% APR fixed. Based on a loan of £4,000 for 36 months at 23% p.a. Total £5,416.42 repayable at £150.46 per month.	Check eligibility View details Compare product selectionCompare	loading
6.2Standard Oakbrook Loans Personal Loan	6.2Standard	£1,000 - £15,000	1 year - 5 years	0%	£153.68 (£5,532.38 overall) Representative Example: Representative 24.9% APR fixed. Based on a loan of £4,000 for 36 months at 24.9% p.a. Total £5,532.38 repayable at £153.68 per month.	Representative Example: Representative 24.9% APR fixed. Based on a loan of £5,000 for 36 months at 24.9% p.a. Total £6,918.52 repayable at £192.18 per month.	Check eligibility View details Compare product selectionCompare	loading
7.5Great Norwich Trust Personal Loan	7.5Great	£3,000 - £25,000	3 years - 10 years	From £299 – £299	N/A	Representative Example: Representative 27.9% APR fixed. Based on a loan of £15,000 and £299 arrangement fee for 72 months at 24% p.a. Total £29,000.88 repayable at £402.79 per month.	Check eligibility View details Compare product selectionCompare	loading
5.7Standard Finio Loans Personal Loan	5.7Standard	£500 - £5,000	1 year - 3 years	0%	£178.80 (£6,436.79 overall) Representative Example: Representative 39.9% APR fixed. Based on a loan of £4,000 for 36 months at 39.9% p.a. Total £6,436.79 repayable at £178.8 per month.	Representative Example: Representative 39.9% APR fixed. Based on a loan of £2,000 for 24 months at 39.9% p.a. Total £2,785.68 repayable at £116.07 per month.	Check eligibility View details Compare product selectionCompare	loading
5Standard Loans by Mal Personal Loan	5Standard	£1,000 - £5,000	1 year - 3 years	0%	£194.70 (£7,009.03 overall) Representative Example: Representative 49.6% APR fixed. Based on a loan of £4,000 for 36 months at 49.6% p.a. Total £7,009.03 repayable at £194.7 per month.	Representative Example: Representative 49.6% APR fixed. Based on a loan of £2,500 for 24 months at 24.1% p.a. Total £3,705.12 repayable at £154.38 per month.	Check eligibility View details Compare product selectionCompare	loading
6.3Standard Bamboo Personal Loan	6.3Standard	£2,000 - £15,000	1 year - 5 years	0%	£194.86 (£7,014.87 overall) Representative Example: Representative 49.7% APR fixed. Based on a loan of £4,000 for 36 months at 49.7% p.a. Total £7,014.87 repayable at £194.86 per month.	Representative Example: Representative 49.7% APR fixed. Based on a loan of £3,000 for 30 months at 41% p.a. Total £4,842.46 repayable at £161.42 per month.	Check eligibility View details Compare product selectionCompare	loading
6.1Standard 118 118 Money Personal Loan	6.1Standard	£1,000 - £8,000	1 year - 5 years	0%	£195.18 (£7,026.55 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £4,000 for 36 months at 49.9% p.a. Total £7,026.55 repayable at £195.18 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £2,000 for 24 months at 41.2% p.a. Total £2,967.43 repayable at £123.64 per month.	Check eligibility View details Compare product selectionCompare	loading
6.4Standard Guarantormyloan Guarantor Loan	6.4Standard	£2,000 - £12,500	1 year - 5 years	0%	£195.18 (£7,026.55 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £4,000 for 36 months at 49.9% p.a. Total £7,026.55 repayable at £195.18 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.28 repayable at £243.98 per month.	Check eligibility View details Compare product selectionCompare	loading
Not yet rated Munzee Personal Loan	Not yet rated	£1,000 - £5,000	2 years - 2 years	0%	N/A	Representative Example: Representative 77.3% APR fixed. Based on a loan of £1,500 for 24 months at 36% p.a. Total £2,580 repayable at £107.5 per month.	Check eligibility View details Compare product selectionCompare	loading

Showing 18 of 18 results

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

Guarantor loans, where a friend or relative agrees to pay your debts if you can’t, are a popular way for people with a bad credit history to borrow money. However, they’re not the most suitable option for everyone, plus not everyone is lucky enough to have someone willing to be their guarantor.

Thankfully, there are alternatives to guarantor loans if you’re looking to borrow money and have a poor credit score.

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

What options do I have if I have bad credit?

Personal loans from “bad credit” lenders. There are many lenders that claim to specialise in offering credit to people with a poor credit score. These companies tend to be a lot more forgiving when assessing your creditworthiness, but terms on these loans aren’t as favourable as those offered by traditional lenders, so you can expect to pay a lot more interest with these providers.
Bad-credit personal loans
Credit-builder credit cards. These credit cards allow you to build your credit score while borrowing money. Each repayment made on time will boost your credit score. The eligibility criteria for these cards is looser than most other credit cards, although the interest rates tend to be higher and the credit limits are usually smaller.
Credit-builder credit cards
Payday loans. Payday loan companies tend to be extremely forgiving when assessing your creditworthiness. They’re probably the easiest loan to be approved for, but the rates are extremely high. These products are only suitable if you’re looking to borrow a small amount of money for a short amount of time. Even then, they should be treated as a last resort because the interest payments can be crippling.
Payday and short-term instalment loans
Secured loans. Another common way to improve your creditworthiness in the eyes of lenders it to offer some personal assets up as collateral. When you do this, the loan is described as “secured” although the lender gets the right to repossess your assets if you fall behind on your repayments.
Secured loans
Alternative specialist lenders. There are a few innovative lenders such as Drafty, that offer alternative takes on short term loans, to help people avoid expensive unauthorised overdraft fees.

How to get the best rate on a loan for bad credit with no guarantor

It can be overwhelming trying to compare the various forms of credit. Your best option is to look for the annual percentage rate (APR) of all the products you’re evaluating. This figure, which has to be displayed for all forms of credit, will make it clear what the cheapest product is. finder’s comparison table for bad credit personal loans is a good place to start.

Make sure you check the other terms associated with the loan, including the minimum eligibility criteria. If you don’t meet the criteria, there’s no point applying for the loan, as you’ll automatically be rejected. This will harm your credit score and make it harder to be approved for credit in the future.

If you feel like you may struggle to meet the monthly repayments, choose a product with a longer term. The overall cost of this product will be higher, but it’s important to avoid missed repayments as this will also send your credit score plummeting and may result in extra fees, too.

The key to getting the best rate for your circumstances is to take the time to search all your available options, and select the cheapest overall product that you can comfortably afford to repay each month.

Frequently asked questions

You can check your credit file for free using services from credit reference agencies such as Experian, Equifax and TransUnion (formerly Callcredit). These will give you good clues as to what you’re likely to be approved for.
Some lenders will let you do a “soft search” which will assess your creditworthiness without making an official mark on your credit record. If this service is on offer, take advantage of it.

How different factors can affect your credit score

Debt consolidation

Gambling

Individual voluntary agreement (IVA)

Loan applications

Utility bills

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.

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Written by

Chris Lilly

Head of publishing

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 502 Finder guides across topics including:

Loans & credit cards
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Compare bad credit, no guarantor loans

Struggling to find a lender? A guarantor isn’t the only way to borrow if you have bad credit.

Find loans you'll get approved for

Comparison of specialist no-guarantor loans

Finder Score for unsecured loans

What options do I have if I have bad credit?

How to get the best rate on a loan for bad credit with no guarantor

Frequently asked questions

How do I know if I’ll be approved for a loan?

What happens if I'm denied a loan?

Can I apply for a loan if I’m already in debt?

How can I get better credit?

How different factors can affect your credit score

Chris Lilly

More guides on Finder

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