WARNING: Late repayment can cause you serious money problems. For help, go to: moneyadviceservice.org.uk

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.

Why Choose A PiggyBank Loan Without A Guarantor?

Our short term loans are for those who require access to money the instant they need it. Instead of first having to find a family member or friend to secure your loan, with PiggyBank you could apply and have your decision within 15 minutes. 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 a loan 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. Unlike many guarantor loans, 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 Apply

Once you’ve made your decision to apply you can simply select the amount you’d like to borrow and the period you’d like it for on our online loan calculator. Once you’ve chosen, click apply to then fill in a few of your details. There’s no long process or complicated forms to complete - we’ve made it straightforward. You can apply for a loan on desktop or mobile devices.

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.

Am I Eligible For A No Guarantor Loan With Bad Credit?

At PiggyBank we understand that not everyone has the best credit history. It can be difficult to get quick access to credit when you have a bad credit score due to missed payments or a CCJ. Many people turn to guarantor loans in the event of having a poor credit history or thin credit file - where you do not have enough credit history.

However PiggyBank looks at more than just your credit history and how you manage your borrowings - we also evaluate your affordability. We assess your income and expenditure to determine your ability to afford the repayments. As a responsible lender, 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 Noddle. Remember, the higher you credit score is, the more likely you are to be approved for a loan.

Apply Now!