At QuidMarket, we like to keep things simple. Our aim is to help hard-working people cover their short-term financial needs. We find that our loans for bad credit with no guarantor do just this. No guarantor loans provide our customers with the freedom to borrow the funds they need to cover emergency expenses without having to involve a family member or friend, or any of the complications that come along with that. We offer loans with no guarantor up to £600 for new applicants, with flexible repayments up to 6 months.

Many people think that loans without a guarantor are accessible only to those with excellent credit scores – at QuidMarket that isn’t the case. Our short term loans are open to all levels of credit. If you can sustainably afford the loan you’re applying for, we won’t turn you away based on your credit score. We will also never ask for a guarantor.

We want you to be confident in your choice to apply for our loans for bad credit with no guarantor in the UK, and we strive to provide you with all the information you need. We’re fully transparent about all costs involved in our no guarantor loans, don’t charge hidden fees, and are happy to answer any questions you might have. If you need us, contact QuidMarket today.

How much do you need?

£300 £1500

For how long?

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This is for illustration purposes only. Your repayment schedule will be confirmed during your application

*All applications are subject to affordability checks*

Representative example: Borrow £300 for 3 months / Interest payable £154.38 / Total amount payable: £454.38 in 3 instalments / 3 payments of £151.46 / Representative 1299.7% APR / Interest rate 292% per annum (fixed) / Maximum APR 1625.5%

Compare short term loans on Clear and Fair

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.

QuidMarket Loans for Bad Credit with No Guarantor

  • New customers can borrow between £300 and £600*
  • Returning customers may be eligible to borrow up to £1,500*
  • Flexible repayment terms between 3-6 months
  • Loans for bad credit with no guarantor available
  • QuidMarket is an FCA Authorised responsible lender
  • We’re a direct lender with no hidden fees
  • Get loans with no guarantor or collateral
  • Same day cash transfer wherever possible
  • Apply online for loans for bad credit with no guarantor in the UK
  • Decisions made by humans, not computers

*Loan amounts and repayment terms are dependent on affordability checks

Why We Offer Loans Without a Guarantor

Guarantor loans were designed to help people with poor credit scores be approved for loans that they wouldn’t be eligible for on their own. The guarantor may be a family member or a friend – but they must have a very good credit score. You also cannot share an existing financial link with them, so a partner that you have a joint bank account or mortgage with is not eligible. In some cases, a third party may act as a guarantor, although this will usually involve an additional expense.

The guarantor will be required to co-sign your loan agreement, and in the case that you do not keep up with the repayments, they will become responsible for the outstanding balance. Defaulting on any loans without a guarantor carries risks to your credit rating, and with a guarantor, you risk their credit rating too. The financial link created will last long beyond the final repayment unless you contact credit reference agencies to remove it – so a future drop in your credit score could affect your guarantor, and vice versa.

A commonly argued benefit of taking out a loan with a guarantor is that it may help you to secure a lower interest rate than you would get on loans with no guarantor – but this is not always the case. With that, the final issue is whether you can be approved for loans without a guarantor – and that’s where QuidMarket’s loans for bad credit with no guarantor come in.

About Our No Guarantor Loans

At QuidMarket, we offer loans for bad credit with no guarantor. We never ask applicants to provide a guarantor for our bad credit loans – even if your credit score isn’t the best it possibly could be. We’re happy to look beyond credit scores. We base our decision-making process on whether you can sustainably afford the loan you’ve applied for, and it means we can confidently approve many applicants who are unable to get loans with no guarantor elsewhere.

It’s simple: we look at your regular income and outgoing payments – such as direct debits, credit repayments and so on. We’ll determine if there’s enough left for you to afford the loan instalments as well as other expenses. As an FCA authorised, responsible lender of loans for bad credit with no guarantor in the UK, we take our duties very seriously. We don’t approve applications if we are concerned that it may lead to further financial difficulties.

The best way to increase your chances of being approved for one of our no guarantor loans is to only apply for what you need to cover an emergency expense. You can also use our flexible repayment options to ensure the repayments on one of our loans without a guarantor will be sustainably affordable for you. We offer loans for bad credit with no guarantor up to £1,500, with flexible weekly or monthly repayments up to 12 months.

You’re welcome to apply for our no guarantor loans if you meet the below eligibility criteria:

  • Live in the UK
  • Over 23 years old, and under 65 years old
  • Have a mobile phone (we send an SMS code during your application)
  • Hold a UK bank account with a valid debit card (we run a verification check that takes 1p)
  • Be in employment and take home at least £1,300 a month

Apply for Loans for Bad Credit with No Guarantor in the UK with QuidMarket

At QuidMarket, we believe that the human touch is what makes our no guarantor loans accessible fairly to as many people as possible. Every application for our loans for bad credit with no guarantor in the UK is underwritten manually. This means that a trained member of our team will look over your application to determine if one of our loans without a guarantor is sustainably affordable with your current finances.

This process takes a few extra minutes compared to if we were to automatically assess applicants on credit score alone, but it’s worthwhile. It allows us to offer loans for bad credit with no guarantor in the UK, and give our customers peace of mind – as well as more control over their finances. We’re still able to offer same day loans in many cases, and most customers receive the funds in their bank accounts within 10 minutes of digitally signing their agreement for loans with no guarantor.

If you have any questions about our loans for bad credit with no guarantor, you might find what you’re looking for instantly on our dedicated FAQ page. If not, you’re welcome to contact QuidMarket and our friendly advisors will be happy to provide more information about our no guarantor loans.

Once you’ve made your decision, you can apply for our loans for bad credit with no guarantor online.

QuidMarket offers this type of loan to allow customers to borrow the funds they need in an emergency without having to involve a friend or family member. We are able to offer this type of loan as we check affordability rather than your entire credit history. We never ask our applicants to provide a guarantor for our loans as we are happy to look beyond your credit score to determine whether you are financially secure enough for the monthly repayments. You can use our loan calculator to find out how much you could borrow and how much it would cost to repay over your chosen term. Once you feel confident about the figures, you can apply through our online form.

The cost of our no guarantor loans depends on the amount you borrow and the repayment term you choose. We aim to make our no guarantor loans in the UK affordable for every customer by offering tailored quotes based on your individual circumstances. You can use our homepage loan calculator tool to estimate the costs on the loan, but we will also clearly outline the full costs before you sign an agreement with us.

At QuidMarket, we are proud to provide options for people in a range of financial situations. This means that we can offer loans for bad credit without a guarantor. Instead of relying on your credit score alone, we use affordability checks to assess your monthly income, essential spending, and other financial commitments. This will help us to determine whether you can comfortably afford the monthly repayments, even if you have bad credit. Our human approach to checking applications for loans without a guarantor allows us to cater to people in a wider range of financial positions.

Warning: You should never pay upfront fees for a short term loan or send money in return for a short term loan. Late repayment can cause you serious money problems. For help, visit: