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No Guarantor Loans

At PiggyBank we offer loans without a guarantor to help you cover an unexpected expense - you can borrow up to £1000 from a direct lender even if you think you have bad credit.

I'd like to borrow
£265
I'll repay inover
14 days
on the
  • Feb 99th 9999 £999.99
Borrowing £265
Interest Rate 292% pa (fixed)
Interest £29.68
Total Repayable £294.68
To repay byTo repay in full by:

This is a bank holiday, are you sure you can repay on this date?

Representative 1270%APR

Minimum 1255%APR

Maximum 1698.1%APR

Representative Example

Amount of credit £250.00 for 30 days
Total amount payable £310.00
Interest rate 292% (fixed)
Interest £60.00

Learn more about APR here

Price Comparison

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Why Choose PiggyBank?

Feefo Gold Trusted Service
  • Direct Lender
  • No Payout Fee
  • No Hidden Costs
  • Fast Online Application
  • Multiple Repayment Options
  • 100% UK Based
  • Fully Authorised by the Financial Conduct Authority

What Is A No Guarantor Loan?

No guarantor loans are for those who need to borrow money without having to find a family member or friend to secure your loan. For people with bad credit, getting a loan can be difficult as lenders see them as a risky customer, but equally, finding someone to secure your loan can also be awkward. With PiggyBank, you could apply and get a loan today with no guarantor. If approved we aim to transfer the money into your account on the same day.

When you’re in urgent need of cash you can apply for payday loans with no guarantor. This means another party is not required to agree to you borrowing from a lender. A short term loan where no guarantor is needed could be a suitable option for you if you’re unable to find somebody to help if you can’t cover the repayments yourself.

There are no hidden fees or charges with PiggyBank. Before you complete your application we’ll let you know precisely how much you’ll have to repay and when you have to do so. You can even repay your loan in full early so that you can save yourself money on interest.

We’re a direct lender that intends to offer a convenient financial solution to fit around every individual’s circumstance. As a guarantor loan alternative, with PiggyBank you can borrow between £100 - £400 over 7 - 35 days, to cover a budgeting shortfall until your next payday.

Or, if you need a larger amount to be repaid in instalments you can borrow up to 1000 pounds for 2 - 5 months. With our instalment loans we offer flexible repayment options to fit around you. You can choose to repay in monthly, fortnightly or weekly instalments and select the particular date you’d prefer.

How To Get Payday Loans With No Guarantor

You can get payday loans with no guarantor from a direct payday lender like PiggyBank. Simply select the amount you’d like to borrow and the period you’d like it for on our loan calculator and click apply. Once you’ve clicked apply, you’ll then have to fill in a few of your details. There’s no long process or complicated forms to complete - we’ve made it a straightforward online application that you can even complete on your mobile.

To apply for a loan you’ll need to be 18 or over, be a UK citizen and own a bank account for the funds to be sent to. You need to be in part or full time employment. We must credit check every application to ensure we are lending responsibly.

Loans For Bad Credit No Guarantor

Specifically, a no guarantor loan is intended for people who cannot find someone else to secure their loan and you can be considered even if you have bad credit. At PiggyBank we understand that not everyone has the best credit history. With PiggyBank, you could get a loan for bad credit without a guarantor, we look at more than just your credit history and how you manage your borrowings. We assess your income and expenditure to determine your ability to afford the repayments. As we’re committed to responsible lending, if we ascertain that you won’t be able to keep up with the repayments, your application will not be approved.

If you’re not sure what your credit score is like, you can check it for free with Credit Karma. Remember, the higher you credit score is, the more likely you are to be approved for a loan.

Apply Now!