Bad Credit Loans With No Guarantor

  • 98% Loan Acceptance
  • Loan with Better Rates
  • Tenants and Homeowners Welcome
  • Improve Credit Record
  • Expert’s Advice with No Fees

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Easy-To-Avail Bad Credit Loans With No Guarantor

A less-than-perfect credit history means fewer funding opportunities in the present and the future!

Do you know that these are old sayings?

Yes, you now have equal funding chances despite you carry an unsatisfactory credit past. Lending deals are available on bad credit loans, even competitive interest rates.

At ForeverFinances, we take one step ahead by offering you bad credit loans with no guarantor. Are you feeling surprised? Yes, you should be because not many direct lenders in the UK are willing to offer such a facility. Therefore, we are quite different from others and bring only borrower-friendly loan offers.

Now, finding the guarantor is not compulsory, even if you hold a poor credit history. Your monthly income will do the job for you. Some other BENEFITS that we put to your bag of loan aspirations are:-

  • Hassle-Free Loan Process
  • E-Approval in 5 Minutes
  • Loan Disbursal in 2 Minutes
  • Zero Prepayment Charges
  • Affordable Monthly Instalments

There should be no second thought when applying for a bad credit loan from a direct lender like us. Apply now to see the difference.

What Are Non-Guarantor Loans? Are They Unsecured?

No guarantor loans are those personal loans where the borrower applies for the loans without a guarantor. It means the borrower does not guarantee the loan from a person, but it comes through his monthly income.

These are short-term loans and largely applied during the financial emergency. There is no documentation required that saves crucial time for the borrowers. Indeed, these are quite different from the conventional lending system, where the application process largely depends upon paperwork.

Bad credit no guarantor loans from a direct lender are unsecured loans. Yes, these are unsecured because no collateral is needed too. As mentioned above, the loan approval criterion relies upon another sort of guarantee, such as:

  • Your income capacity

  • Your affordability to repay

  • Your current financial performance


Similarities Between No Guarantor Loans and Unsecured Loans

Application Procedure You can apply for both loans online with no paperwork
Eligibility Process Both loan options have easy-to-fulfil eligibility conditions
Common Features
  • Best suited to a financial emergency

  • Manageable monthly repayments

  • No collateral is needed for both

  • Acceptance on bad credit

  • Approval on borrowers’ income

Am I Eligible For Loans For Bad Credit No Guarantor?

Eligibility conditions may vary from lender to lender, but ForeverFinances keeps them on simple lines. When it comes to bad credit no guarantor loans from a direct lender, our loan qualifying criterion is full of transparency, and you can easily understand.

An Important Note: We allow only affordable deals and that is why your income paves the way for your loan eligibility.

Income Slot (Monthly Income) Loan Chances
£500-£600 Moderate
£601-£800 High
£801-£1000 Higher
Above £1000 Highest

Other common loan eligibility requirements are:-

  • Age should be above 18 years;
  • An active bank account;
  • A valid email Id and contact number; and
  • If not full-time income, part-time should not be less than £400
  • Approval on borrowers’ income

Are you finding yourself eligible for the above conditions? If yes, submit your loan query now.



What Are The Benefits Of Loans Without Guarantor?

Our primary objective to offer you affordable loans is to ensure a complete financial solution for you. Therefore, you will have many benefits of loans with no guarantor if you apply here. These benefits are:-

  • Flexible Repayment Plans
    Some people consider loans as another financial burden. We have changed their perceptions by offering bespoke lending deals. As a part of it, we offer flexible repayment plans to give you the freedom to choose your own according to your capacity. Here, we want to suggest you that select a plan that suits your monthly budget. If you think you can repay the loan within 3 years, there is no need to choose a 5-year plan. With flexible repayments, we also want that you pay all monthly instalments on time and subsequently improve your credit score.

  • Funding for Unemployed with Bad Credit
    A continuous loss of full-time employment is also a reason for having a poor credit record. You cannot pay all bills on time because you do not have enough money. The non-repayment of bills add a curse to your credit profile. Therefore, we have taken the responsibility to support you and offer bad credit loans for the unemployed. While providing these funding sources, we do not consider your credit history and full-time income. Instead, we can approve your loan application on your part-time income or unemployment benefits.

  • Multi-Purpose Loans
    These quick loans match your every financial need. It means you can apply for these loans for your personal purposes like buying an electronic gadget or paying university’s fees and business needs like purchasing equipment or funding a particular project. While offering you the loans, we do not ask for your loan purpose and bring quick approval to your favour. However, we urge you to ask for the right funding needed for your actual financial need. Do not ask for funds more than your requirements.

  • Approval on Very Bad Credit
    Flexible lending is our way of working, and thus, we have opened our lending doors and for the people with very poor credit scores. In this section of the borrowers, we also include those who have County Court Judgement (CCJ) against their names. They get suitable loan deals on competitive interest rates and with no processing charges. However, you should apply for very bad credit loans with no guarantor only during a financial emergency. Here, you get instant approval and same-day fund disbursal.

  • Guaranteed Loans with No Guarantor
    At ForeverFinances, you have an ideal opportunity to obtain bad credit loans on guaranteed approval with no guarantor. We know guaranteed approval can be tricky, but we work hard to offer you the same without hassle. Another thing that makes us confident in giving you the guaranteed consent is that we provide only affordable loans. We do not allow an amount that is beyond your repayment capacity. Therefore, we represent a reliable lending platform where financial support is personally there for you.


Surely, you like to have these loan benefits in your favour. Are you interested in submitting your loan application?


Apply Now


Can I Get Bad Credit Loans With No Guarantor And No Credit Check?

The biggest constraint that comes in front of people with bad credit scores is the credit check. Traditional lending comprises of hard credit check that often denies applications with poor credit marks. As the new-age lender, we have given an alternative where there is always a chance of bad credit loans with no guarantor and no credit check.

Like guaranteed approval, the concept of 'no credit check' is also complicated. We have paved a different way where there is no need to analyse individual borrowers' credit records. However, this facility bounds with certain limitations, such as:-

  • Your recent credit performance should be good
  • You are paying all bills on time
  • Your credit score is affected due to sudden unemployment
  • You are applying for loans with no credit history
  • Approval on borrowers’ income

We sometimes need credit checking, but still, we do softly. We do analyse credit history but do not deny the loan applications. A hard credit check is not in our lending norms.

How Much Safe Are Loans Without A Guarantor From A Direct Lender?

Yes, applying for loans without a guarantor is very safe at ForeverFinances. It is because you can submit your application for bad credit loans with no fees, no guarantor and no broker.

We have not kept any upfront fees or processing charges on any loan deal. Only the interest rates you need to pay alongside the principal amount merge within the final monthly instalment. Indeed, the guarantor is also not mandatory, and approval comes only on your income basis.

We are the direct lender for loans without a guarantor, and you can reach us directly. There is no need for any 'third-person' or a broker to approach us. If you do so, then it will only add more financial burden on you. We are here to ease your financial life with timely and valuable support.


Do you want to know more about loan specifications?


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How Can I Apply For Fast Loans With No Guarantor?

Do you want no guarantor loans on instant approval? You certainly have the same facility at ForeverFinances, as we offer online loans comprising only simple steps to follow:-

1. Fill An Online Form 2. A Quick Analysis 3. Instant Loan Approval 4. Quick Fund Transfer
Once you decide to apply for a loan, come to our website and fill out a single-page online form. Only a few details are needed, and then click on the ‘Apply Now’ button. We immediately analyse your loan application and each detail mentioned by you. If any confusion, we may contact you to have everything on a positive note. Once everything gets cleared to your loan application, we do not delay the loan approval process. We instantly approve your loan application or within 5 minutes. Just after your loan application approved, we release the desired funds to your bank account. We will do this on the same day of application submission.


We offer a responsible loan service that is free of charge. Let us favour you, i.e. a competitive and affordable bad credit loan with no guarantor.