I want to borrow


Do you want to apply for a loan? Have you started finding a reliable person to be your loan guarantor? You may have your own queries, but we want to ask you a question. Is there any need for hunting for a person to take your loan guarantee?NO.

Instead of finding out the guarantor, spend valuable time in the online marketplace to find no guarantor loans from a direct lender. Yes, this is the perfect solution during the financial menace, especially in getting funds on the same day.

What are no guarantor loans?

These are the quick short-term loans applied with no guarantor presence. These loans suit best during the financial emergency, as the procedure is 100% online and same-day approval is there.

24cashfinances, as a responsible direct lender in the UK, brings exclusive deals on loans with no guarantorneeded. We offer quick and affordable loans where borrowers can repay the loan until the term ends.

We approve your loan application on the following criteria:-

A simple loan application process, including straightforward steps:-

  • How much are you earning?

  • What is your financial capacity?

  • How much do you want to borrow?

  • What will be the repayment term?

  • Fill the Online Form with mandatory details

  • Submit it and get an fast approval

  • Same-day fund disbursal

  • Repay the loan on time


Loans are meant for complete financial assistance. Our quick loans with no guarantorare available on the different varieties so that one can choose the deal according to the current situation.

There may be loan varieties, but the sole aim is to bring funds quickly for the borrowers. As said earlier, the application process is online, containing simple steps to follow. Fast Loan approval and fund disbursal are on the same day, making everything comfortable for the borrowers.

We advertise our loans with different names, which are mentioned below along with their specifications:-

No Guarantor Loan Products


Fast Loans with No Guarantor

Get a quick obligation-free loan quote followed by fast approval. It is the best option to get money fast.

Payday Loans with No Guarantor

This is the most common form of no guarantor loans and benefits from the early end of the loan on your next payday.

Quick Loans with No Guarantor

During a financial emergency, this option works wonder. People with any credit scores can apply for this.

Easy Loans with No Guarantor

Easy eligibility conditions and easy application procedure make this option more acceptable for everyone.

Instant Loans with No Guarantor

With no guarantor and no collateral, instant loans give you peace of mind by keeping everything at a fast pace.


24cashfinances welcomes people with any credit score to avail of its no guarantor loans. We are particularly concerned about the finances of people with poor credit scores. They often face trouble in finding a person to become their loan guarantor. It is because they are less trustworthy.

We are here to relax their finances by bringing bespoke offers instant loans for bad credit with no guarantor. These are the short-term loans available with fewer obligations,but the primary criterion is your income status.

Whether there are no guarantor loans for bad credit or bad credit loans with no guarantor, we bring the following benefits for our prospective borrowers:

  • Competitive APRs
    We are known for offering loans on competitive APRs in the UK marketplace. We first analyse the current financial conditions of the borrowers and then frame affordable deals for them. However, expectingloans for bad credit with no guarantor on low APR may not be right, as these funding products are usually expensive than the standard loan options.
  • Maximum Loan Acceptance
    There is a clear difference between the lending of mainstream lenders and modern-age lenders like us. We take the loan applications of people with low credit scores very seriously and become flexible enough to grow the chances of bad credit loans on guaranteed and fast approval even with no guarantor. Instead of their past credit history, we approve loan applications on their affordability.
  • No Collateral to Pledge
    Availing funds quickly with no risk to put up with is indeed an ideal choice to make. This is what we do with our exclusive deals on unsecured personal loans for bad credit with no guarantorneeded. Suppose you default in the mid-loan term. You do not lose your asset. However, it is compulsory to make regular payments to worsen the credit profile.


We are the responsible direct lender in the UK and perform our duty with a complete commitment. We feel it is our responsibility to make you aware of the risks involved in bad credit no guarantor loans.

If you are going to borrow money with these loans, you should know their disadvantages too. Here, they are:-

  • High-Interest Rates: Compared to the loans for people with good credit scores, these loans usually have higher interest rates. You should agree to them only when you are capable of paying higher rates.

  • Not to Borrow More Thanthe Need: Sometimes,you can eradicate the financial emergency with a small borrowing amount. Therefore, these loans work when you use them for short term solutions. You should not borrow funds more than your needs.

  • You Do Not have Security Backup: You have applied for unsecured loans for bad credit with no guarantor. It means you do not have any asset backup, which imposes an extra burden on you. If you make default, you can lose your credit score more.


You may have a poor credit score, but there is always a possibility of improving it. You should not disappoint yourself after getting continuous rejections from traditional lenders. The lending doors of online lenders are always open for you.

24cashfinances is committed not only to funding your financial needs but also to improving your financial record. If you want affordable installment loans for bad credit for direct lenders only with no guarantor, we provide you with a solution.

12-Month Installment Loans

24-Month Installment Loans

Use loans for financial urgency

Apply for these loans to fulfil specific financial goals

People with any credit score can apply

The same applies to this one too

Competitive interest rates

Lower interest rates if secured with an asset

Approval on an income basis

Loan approval is on income and the value of the given asset

We follow responsible lending, and therefore, we offer 24-month loans for bad credit with no guarantoron entirely affordable deals. We don’t lend more than your financial capacity.

How Can I Attract Direct Lenders for No Guarantor Loans?

You do not have a guarantor to ensure the proper loan repayments. Therefore, you need to work hard to attract direct lenders for no guarantor loans.

The question arises, how do you ensure this?

As the responsible direct lender in the UK, we are always there to assist you. Still, we want to suggest to you some valuable tips to make your application strong.

Ask for a smaller amount:-

With no guarantor, you may not be allowed to get the higher amount. At the same time, it is suitable for your fast loan approval chances to ask for a small amount.

Lenders feel no risk in lending the small amount, as they are assured that repayments can be made on time. You should also remember that small loans with no guarantor are ideal for financial emergencies. It is because you need funds quickly that can be possible when no guarantor is involved.  

Keep your credit score ready:

You may feel surprised to know this, but it is a crucial factor. We can provide loans with either soft or no credit checks to fulfil our aim of offering no guarantor loans on quick approval. Still, you should know your credit score.

Telling us your credit score will help a lot in framing affordable loan deals. Furthermore, it also helps you to improve your credit score by making timely repayments. Therefore, approach a credit reference agency to be familiar with your actual credit report and let us know about it.

Show sufficient income proofs:

You have a poor credit score, and thus, no one agrees to take your loan guarantee. In such circumstances, the only thing that is coming in your favour is your income.

If you are earning full-time, then show the income proofs of the last three months. Besides, send us a scanned copy of your recent monthly income. Based on these income proofs, we decide the final interest rate that will be according to your repayment capacity.

If you are good at these points, then you can easily qualify for our quick loans with no guarantor needed.


People with a less-than-perfect credit score often face trouble in getting loan acceptance. Problems come more for those with County Court Judgement (CCJ) against their names. It is indeed a challenging situation to be in because no lender will straightway accept your loan application.

Situations may be tough, but CCJ loans with no guarantor from a direct lender in the UK are possible. We have already prepared such loan offers, and the interest rates are still competitive. Other loan features include:

  • 100% online loan procedure
    Like other loan deals, we provide these loans totally based on the online platform. A single-page online application will bring CCJ loans to your favour.
  • Same-day fund disbursal
    With everything is online, you get the same-day fund transfer. We only need to check the details mentioned in the form, and if they are fine, we approve the loans.
  • Quick funding to erase CCJ against you
    We give you quick funds so that you pay all the dues and remove the tag of CCJ against your name. However, you need to apply early to have this facility.
  • Fee-free advice from our lending experts
    Do you have any confusion regarding our no guarantor loans? If yes, then ask our loan experts. They can guide you without charging any pounds.
  • No collateral is required, and approval on an income basis
    As your past is not good, we still approve your loan application for a small amount. For the small sum, you do not need to pledge any collateral. Your income brings approval.
  • Loans on affordability
    We offer only affordable loan deals so that you can make loan repayments easily. It will also assist you in improving your credit score.

An important note: 24cashfinances follows the responsible lending policy. We do not hesitate to say that loans for CCJs and bad credit from direct lenders, and no guarantor are high-interest-rate loans. You should apply when you are entirely sure of paying higher rates.


The people with CCJ and those with very poor credit scores can also get our no guarantor loans. The criterion for loan approval is the borrowers’ current income and their affordability to pay back the loan within the given schedule.

You can take pleasure in our responsible online lending by coming directly to us. Here are some primary advantages ofvery bad credit loans with no guarantor from a direct lender:-

  • No Third Person Needed: Yes, it is evident that no guarantor is needed when applying for the loans. At the same time, no broker is required to reach us. It will reduce the extra burden on you by not paying any broker’s fee.
  • No Upfront Charges: We are here to ease your financial burden, not to increase it. Therefore, we offer loans with no guarantor and no fees. Only the interest rates are what you have to pay.
  • No Early Repayment Fees: Despite adverse credit score, we do not put too many obligations on you. If you want to pay out the loan early, you can do it without paying anything.


We, at 24cashfinances, vouch for the timely financial assistance when you need it at most. Bringing no guarantor loans has the same objective, and you can count these loans as obligation-free.

Unlike other direct lenders in the UK, we offer loans on many unique features. Here are a few glimpses:-

  • No Guarantor Loans for Unemployed: Yes, the jobless people will also have the same loan facilities as those with poor credit scores. Apply now for our loans for unemployed with bad credit, and no guarantor needed.
  • Relaxed Credit Check: We know that bad credit, CCJ or very poor credit scores force individuals to look forloans in the UK with no credit check and no guarantor. We can assure you with no guarantor, but our loan deals are subject to the mandatory credit check. We follow the soft credit check policy that will not leave any search footprint on your credit profile.
  • Proper Loan Guidance: You may be applying for personal loans with bad credit and no guarantor, but you need some guidance to get the best deal. Ask our financial experts anytime and without paying anything. They are experienced enough to suggest to you the best deal available.

We are available 24/7 to solve your financial mess. Submit an online loan application now for any no guarantor loan deal and get the approval within a few minutes.


Is a no guarantor loan right for me?

If you have the poor credit score and no one agrees to become your guarantor, then no guarantor loans are indeed the right option for you. These also help in improving the credit score too.

How do I know if I qualify for a quick loan with no guarantor?

If you are earning a full-time income and your lender is convinced, you can easily qualify for a quick loan with no guarantor. In that case, you can even get approval on bad credit.

Where can I get a loan with bad credit and no guarantor?

Getting a loan with bad credit and no guarantor is possible with direct lenders in the UK. Unlike traditional lenders, they are more flexible in their terms and conditions.

Bad credit is not a problem for the lenders, as they usually consider your present credit performance instead of credit history. Besides, they do not need a guarantor because online loans are usually available on borrowers’ income capacity.

Bad credit loans with no guarantor are available on borrowers’ affordability.

How much can I borrow?

The borrowing amount limit depends upon lenders’ policies. As per the trends of the UK marketplace, you can borrow up to £25000 if you are providing collateral or earning a sufficient monthly income.

How do repayments work with no guarantor loans?

You can make repayments of no guarantor loans on one single day of each month. You can set the date according to your comfort. It is suggested to choose a monthly loan repayment date after receiving your income.