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Home » Guaranteed Loans

Guaranteed Loans

QuidMarket doesn’t offer options for a loan with guaranteed approval. As responsible lenders, we offer short term loans that are tailored to your financial situation, without the need for unreliable guarantees. We’re a trusted lender, ready to help you.
No Hidden Fees
Same Day Cash Transfer
Flexible Repayments
Your Details Are 100% Secure
No Guarantor Required
Authorised Lender

I Would Like To Borrow

£500
£300 £1500
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Month 1

£

Month 2

£

Month 3

£

Month 4

£

Month 5

£

Month 6

£

Representative example: Representative example: Borrow £500 for 5 months - Interest payable £359.90 - Total amount payable: £859.90 in 5 instalments - 5 payments of £171.98 - Representative 1,301.80%. APR - Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,612.00%
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As a new customer the minimum repayment period is 3 months and the maximum is 6 months. Additional options may be available to you as a repeat customer. *Applications submitted outside normal business hours will be processed on the next working day. *All applications are subject to affordability checks*

Representative example: Borrow £500 for 5 months – Interest payable £359.90 – Total amount payable: £859.90 in 5 instalments – 5 payments of £171.98 – Representative 1,301.80%. APR – Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,612.00%

Compare short term loans on Clear and Fair

No False Promises With Our Loans

We prioritise responsible lending and transparency over offering guaranteed loans. We carefully review every loan application to ensure that it is sustainable for the borrower, which means that not every application is approved. However, for the customers we do approve, we provide tailored loans that suit their financial situation. Our manual approval process takes a little longer, but it allows us to offer loans fairly and transparently so you can get the help you need.

374k+
Successful approved loan applications.
£158m+
Lent to customers in short term loans.
7,072+
5 star customer reviews on Trustpilot.
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woman using laptop

Is A Guaranteed Loan Alternative Right For You?

Flexible Repayments – Our repayment periods are 3 months to 6 months. QuidMarket offers short term loans with transparent pricing and flexible repayment plans.

Low credit score – Guaranteed acceptance loans are often only available to borrowers with good or high credit scores. If you choose to apply for a loan with QuidMarket, you could be more likely to be approved for a short term loan. We assess your affordability, not just your credit score, and may be able to provide you with a fair and flexible loan.

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Apply For Our Alternative To Guaranteed Loans

We understand that sometimes unexpected expenses can arise, and you may need financial assistance to help manage them. Though a loan with guaranteed approval might feel like your best option, you may not get the help you need because UK guaranteed loans for bad credit borrowers are hard to come by. Applying for a loan with us is simple and straightforward.

Our credit analyst team will review your application, and we’ll conduct credit and affordability checks to ensure that the loan is affordable for you. Once approved, the funds will be transferred to your bank account. We offer an alternative to guaranteed acceptance loans, with no hidden fees, flexible repayment options, and transparent pricing.

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  • 01 Application Process

    Receive a decision in minutes with our quick application process.
  • 02 Underwriting Process

    Our experienced team will review your application and conduct credit and affordability checks to ensure responsible lending.
  • 03 Loan Repayment

    Repay your loan with ease through a Continuous Payment Authority (CPA) set up on your bank account.

Why Apply For Our Alternative Loans

By applying for QuidMarket’s short term loans, you can avoid the uncertainty and potential risks associated with a guaranteed loan for bad credit. Our reliable and transparent approach ensures you can access the funds you need with no hidden fees or surprises.

374k+
Successful approved loan applications.
£158m+
Lent to customers in short term loans.
7,072+
5 star customer reviews on Trustpilot.
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Alternative UK Guaranteed Loans With No Hidden Fees

Our short term loans come with a clear repayment schedule, so you know exactly how much you’ll be paying back and when. We understand the importance of affordability, and our flexible repayment terms between 3 – 6 months are designed to fit your budget and keep you on track with your repayments.

Unlike some lenders who advertise guaranteed acceptance loans, we don’t have any hidden fees. We believe in being transparent with our customers, which means no surprises or extra charges. We are an authorised direct lender, giving our customers peace of mind that we operate under strict regulations. Contact us today for more information.

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icon check image Easy To Apply Our user-friendly application process can be completed in minutes.
wallet image icon Affordable We offer flexible repayment plans that are tailored to your budget.
thumbs up image Trusted Lender We prioritise the protection of our customers' finances.

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UK Guaranteed Loans FAQS

Guaranteed loans provide credit to applicants without considering their credit score or affordability to repay. Such loans are similar to no credit check loans, but they do not consider any creditworthiness or affordability checks in their lending decisions. This makes them an easy acceptance option, particularly for borrowers in desperate need of financial help.

However, the problem with guaranteed acceptance loans is that they pose a higher risk of default rates due to their acceptance of all applicants. Furthermore, they do not have any processes in place to assist customers in avoiding loan defaults, which is not in line with responsible lending guidelines. If a borrower fails to make a payment, the lender may not be able to help arrange alternative payment methods. It is highly unlikely to find a guaranteed loan lender approved by the FCA in the UK.

When faced with a financial emergency, borrowing money through proper channels may not be as appealing as it involves the risk of rejection. Loans for bad credit with guaranteed approval, in particular, are difficult to get accepted. Nonetheless, guaranteed bad credit loans should not be the go-to option in the UK as same-day loans are available without compromising on the correct procedures. Borrowers with poor credit scores may find UK guaranteed loans for bad credit tempting, but they should consider whether a lender who offers guaranteed loan approval has their best interests in mind.

We do not offer loans for bad credit with guaranteed approval here at QuidMarket. While loans with guaranteed approval may seem appealing due to their easy acceptance, they carry significant risks. Instead, we offer short term loans that are more reliable and responsible than guaranteed bad credit loans.

Our short term loans are designed to provide borrowers with quick and easy access to credit without compromising on affordability or responsible lending. We carry out affordability checks and credit checks to ensure that our loans are suitable for our customers’ financial circumstances. We understand that each customer is unique, and their financial situations may differ, so we take a personalised approach to our lending decisions.

Our short term loans come with transparent terms and conditions, so borrowers can be confident about the loan’s costs and repayments. We do not have any hidden fees or charges that can surprise our customers. Our loans are also flexible, allowing borrowers to choose repayment terms that suit their budget and schedule.

It’s not uncommon for those with bad credit to feel like they have limited options when it comes to borrowing money. Many direct lenders offer loans with guaranteed approval that are marketed as being accessible to those with poor credit, but they often aren’t. You should approach such loans with caution and think carefully about whether the lender is acting in your best interests as a borrower.

While a guaranteed loan might seem like a good option, it’s important to remember that such loans often come with higher-than-average fees, charges, and interest rates. This can make the loan more expensive in the long run and potentially exacerbate financial difficulties for the borrower. Always compare loans and lenders before you submit any applications.

At QuidMarket, we understand that a low credit score doesn’t necessarily mean you can’t afford to borrow money. That’s why we take a different approach to lending, we focus on affordability rather than credit history, which means we may be able to help you even if you have a poor credit rating.

When it comes to loans, it’s important to understand that there are no guaranteed options available. This is because all lenders must follow strict rules and regulations set by the FCA in the UK, which includes conducting proper credit and affordability checks before approving any loan. Any direct lender for bad credit loans with guaranteed approval needs to meet these requirements.

At QuidMarket, we understand that unexpected expenses can arise, and we offer short term loans that can provide the financial help you need. While we cannot guarantee loan approval, we do our best to provide a quick and easy application process and will assess your application based on your individual circumstances. As an authorised lender, we take responsible lending seriously and will only lend to customers who can afford to repay the loan.

Before you can take advantage of our alternative to guaranteed loans, you need to meet our eligibility criteria. Keep in mind that different lenders have different criteria, so it’s always wise to check before applying. Our eligibility criteria is:

  • Be between the ages of 23 and 65
  • Be a resident of the United Kingdom
  • Have a valid mobile number to receive text messages
  • Possess a current UK bank account with a valid debit card
  • Be employed and receive a take-home salary of at least £1,250 per month

As a new customer, you can borrow between £300 and £600, and returning customers may be eligible to borrow up to £1,500, depending on affordability. The amount you borrow should only cover the emergency expense you have. We offer flexible repayment terms between three to six months.

It might be enticing to apply to a direct lender for bad credit loans with guaranteed approval, but you should always be wary about lenders promising too much. We may be able to approve your application, even if you have a poor credit history, provided that we can determine the loan amount and repayment terms are affordable for you. This ensures that the loan is suitable for you rather than offering guaranteed loans that you may not be able to afford in the long run.

Contact us today for advice from our team of experts. We’re here to help you. You can also find more information on our FAQs page.

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Representative example: Representative example: Borrow £500 for 5 months - Interest payable £359.90 - Total amount payable: £859.90 in 5 instalments - 5 payments of £171.98 - Representative 1,301.80%. APR - Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,612.00%
Quidmarket is a trading name of Stagemount Limited Authorised and regulated by the Financial Conduct Authority, our firm reference number is: 677995. Registered Office; Stagemount Ltd, 8th Floor, Waterfront House, 35 Station Street, Nottingham, NG2 3DQ. Registered in England and Wales company number: 07259223. Data Protection: Z2501836. Copyright © 2025 QuidMarket Loans – Short Term Loans.