No Guarantor Long-Term Loans

Apply For Up to £5,000 *

Representative Example:

  • Loan amount £200 for 35 days.
  • Payable in One total repayment of £256.00
  • Interest charged is £56.00,
  • interest rate 292% pa (variable).
  • Representative 1212% APR.

Select an amount

  • No Hidden Extras
  • Simple Application Process
  • Safe & Secure

Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.
Warning: Late repayments can cause you serious money problems. For help, go to

No Guarantor

As the name of the loan suggests, a no-guarantor long-term loan does not need a guarantor or a second party with a good credit score to be on the standby to pay out for you if you cannot make the payment.

A Guarantor or a No Guarantor Long-Term Loan?

Whether you should go for a guarantor or a no-guarantor long-term loan is your individual decision based on your specific circumstances. If you have been declined by the bank for a loan due to bad credit history, then you can look into a guarantor loan or a no-guarantor loan. A guarantor loan can be the ideal option for you if you have a friend or a family member who can be your guarantor. Moreover, if your guarantor has a good credit score, you may get better loan terms and interest rates since you are at lesser risk of not repaying the repayment amount every month.

However, a no-guarantor long-term loan can be a great financial solution if you don’t have someone to help you, whether because you would not prefer to ask or whether because they are unable to assist you.

Should I Apply for a No-Guarantor Long-Term Loan?

As far as your finances are considered, you must know that all figures and facts before applying for credit. You need to make the best possible choice when you apply. You should understand your circumstances completely before you apply and ask yourself:

  • Do I require a loan?
  • How much should I borrow?
  • How much can I repay every month?
  • What are the loan terms?

We are available to help you with all your questions and queries 24/7. You should remember that borrowing a sum of money for the long term can lead to more rate of interest.

Terms Of Repayment

It’s good to be aware of all the repayment terms of the lender. The interest rate on the loan is one of the most important things to consider. It is the interest rate that will decide how much you will pay for your loan by the end. The lower the number, the better you will be.

The Credibility Of The Lender

When finding a good lender, credibility of the lender is the most important thing to look at. A credible lender should provide all the details about your borrowing from the start to the end.

Guarantor or No Guarantor Loan? Which Loan Will Be the Best for You?

Whether you go for a guarantor or a no-guarantor loan, there are both pros and cons associated with both the loans. Let’s have a look at the different features and aspects of these loans as that will help you with your decision.

No Guarantor Long-Term Loans FAQs

Q: Can I Get A Loan with No Guarantor and Bad Credit?

Ans: Yes, you can get a long-term loan without a guarantor even if you have bad credit with Payday Loans Now. Though your possibilities of getting a loan accepted become higher with a guarantor, it becomes easy for you to apply for a loan without one. No hassle and no paperwork is there and you can expect to get the loan on the same day. Being a fair and responsible lender, Payday Loans

Now makes use of your credit score only to decide on whether or not your loan will be approved. If the financial information provided by you shows that you’ll be able to repay the loan, we will grant the loan. But, a no guarantor and bad credit loan is usually costlier than guarantor loans. So, consider this before you apply for a loan.

Q: Can I apply for No Guarantor Loan Without Credit Check?

Ans: Applying for a long term payday loan has now become hassle-free and simple. You just need an internet connection and a computer/laptop/mobile to apply for this loan. Fill the required details in the application form offered by the lender and submit it. Then you will have to wait for a few minutes to hear back from the lender. You will then get an email or call stating whether the application is approved or not. Some lenders in the market also let you apply for a loan over a phone call. However, applying online can be simpler and quicker.

Q: Can I Get A No Credit Loan from A Direct Lender?

Ans: Payday Loans Now is one of the highly trusted no guarantor long-term loan provider around the UK. We don’t have any application fees, hidden charges, or broker fees. If you have a poor credit score, applying for a loan with no guarantor for us is safe because we don’t have any third party involved to access your credit check.