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GET https://newhorizons.co.uk/secure-form/

<form action="https://newhorizons.co.uk/secure-form/" method="get">
  <div class="apply-input">
    <a href="#" class="amount-change amount-minus"><i class="fa fa-minus"></i></a>
    <input type="text" name="value" value="£800" class="apply-loan-amount">
    <a href="#" class="amount-change amount-plus"><i class="fa fa-plus"></i></a>
  </div>
  <button type="submit" class="btn btn-primary-mast btn-apply">Get your loan quote</button>
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GET https://newhorizons.co.uk/secure-form/

<form action="https://newhorizons.co.uk/secure-form/" method="get">
  <div class="apply-input">
    <a href="#" class="amount-change amount-minus"><i class="fa fa-minus"></i></a>
    <input type="text" name="value" value="£800" class="apply-loan-amount">
    <a href="#" class="amount-change amount-plus"><i class="fa fa-plus"></i></a>
  </div>
  <button type="submit" class="btn btn-primary-mast btn-apply">Get your loan quote</button>
</form>

Text Content

Menu
 * Apply
 * Approval criteria
 * Loan Guides

QUICK LOANS UP TO £5000

Not sure if you'll be accepted?


Get your loan quote


NO GUARANTOR LOANS FOR BAD CREDIT.

£50 TO £5,000 PAID OUT BY 12:51AM*

Fast 3 to 36 month online loans.


Get your loan quote

100% No obligation loan quote

Get your cash in 15 minutes once accepted*

We don’t credit check or charge any fees†

Secure UK Site


Representative APR 49.9%
Representative Example: Borrowing: £1200 for 18 months, Total Repayable:
£1628.28, Total Interest: £428.28, Interest Rate (Variable): 49.9%. Rates
between 9.3% APR and maximum 1294% APR. New Horizons is a registered trading
name of New Horizons Finance Limited, which is an Introducer Appointed
Representative of Flux Funding Limited, who are a credit broker, not a lender.
Loan repayment terms are 3-36 month loans.

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



Home » Bad Credit Loans » No Guarantor Loans


LOANS WITHOUT GUARANTOR, ARE THEY RIGHT FOR ME?

No guarantor loans are a specific type of short-term loan designed for people
who are unable or simply do not wish to have a guarantor when they take out a
loan. In the past, this was difficult as most direct lenders saw providing no
guarantor loans to someone with bad credit as risky, so having a guarantor was
an easy way of securing a loan.

Most direct lenders in the past required a guarantor for all bad credit loans.
This has changed and more and more lenders now provide bad credit loans without
a guarantor.


LOANS WITHOUT A GUARANTOR, WILL I BE APPROVED?

No guarantor loans were rare and usually featured unfavourable lending terms.
Thankfully, this has changed. Many direct lenders have realised that this
unfairly prevented some people from getting loans when they needed them.

With an increasing number of lenders offering unsecured loans specifically
designed for people with no guarantor, the market has become quite competitive;
giving you more choice and better repayment terms.


FIND YOUR BEST RATE LOAN WITHOUT NEEDING AN INITIAL CREDIT CHECK.

‘Soft Credit Match’ technology matches your profile with our industry-leading
panel of Financial Conduct Authority (FCA) approved direct lenders without
leaving any mark on your credit record.

With no obligation & no cost – it’s the best way to find a loan.

Get Your CreditMatch


WHAT IS A NO GUARANTOR LOAN?

A no guarantor loan means that you are solely responsible for the loan you take
out. Whilst this independence is what many applicants are looking for when they
seek a loan without a guarantor, it also means that it is very important that
the short-term loan is repaid in the time and manner agreed with the direct
lenders.

> A no guarantor loan means that you are solely responsible for the loan you
> take out.
> 
> New Horizons

Because loans with no guarantor mean the lender has no safety net if you do not
repay the loan, these loans can feature higher APRs than loans that do require a
guarantor. Whilst this is not true for every lender and many now offer very
competitive no guarantor loan rates, it is important that you shop around to
find the very best lender for your own requirements.


CAN I GET A LOAN FOR BAD CREDIT WITH NO GUARANTOR?

The quick answer is yes. Looking past a person’s credit history, many lenders
now use more relevant, up-to-date data when assessing your application.

Focusing on your current financial and employment status rather than your credit
history and score, many lenders now offer no guarantor loans for bad credit that
have been specifically designed for people with poor credit histories. As an
independent introducer, our role at New Horizons is to match you with the very
best loans for your specific requirements.

The easiest way to find out if you qualify for a loan with no guarantor is to
complete the application process through New Horizons. You are comparing your
circumstances to the criteria of more than fifty lenders, which will maximise
your chances of being accepted for a no guarantor loan.


IT'S QUICK & EASY

Apply for a loan


CAN NEW HORIZONS HELP ME IF I HAVE BAD CREDIT?

Wanting to ensure everyone has equal access to loans without guarantors, we
specialise in helping people with bad credit get access to loans, including
those that require loans without guarantor.

Each lender has their own set of criteria you must meet to be offered a loan.
Some of these lenders insist on a guarantor, but many do not. We have several
lenders on our panel that specialise in providing loans to people with a poor
credit rating. You can apply to see if you have been accepted with no obligation
and no trace on your credit report.

What you need to know

Why use us?
How much can new customers borrow?
Up to £5,000
No fees, ever!
What are the repayment terms?
3 to 36 Months
No paperwork
Representative APR
49.9% (variable)
No obligation quote
Can I apply with bad credit?
Yes
Instant decision
Can I repay in instalments
Yes
Flexible repayment
Do we credit check?
No†
No credit footprint


HOW MUCH CAN I APPLY FOR WITHOUT A GUARANTOR?

You can apply for an amount that falls within the minimum and maximum loan
amounts of New Horizons. We offer access to no guarantor loans from £50 to
£5000. Whether or not you’ll be accepted will be dependent on you meeting the
criteria for the amount you want to borrow. The best way to find out if you
qualify for your preferred loan is to fill out an application.

> Understanding that no guarantor loans are often required suddenly and
> unexpectedly, we will do everything we can to get you fast access to the best
> bad credit loans with no guarantor; making the entire process as quick and
> easy as possible.
> 
> New Horizons


IS IT MORE EXPENSIVE TO GET A LOAN WITH NO GUARANTOR?

A significant factor in determining the APR rate you’ll be charged on your loan
is the amount of risk to the lender. Therefore, people with bad credit typically
pay a higher interest rate because they pose a greater risk.

Having a guarantor provides a lender with an extra layer of security, meaning
lending without a guarantor can pose a higher risk, which will be reflected in
the interest rate. However, we have lenders that specialise in many different
types of loans, and the difference can be negligible. Complete our application
form to see what the best deal is for your circumstances.

All of the lenders we work with are authorised and regulated by The Financial
Conduct Authority and offer full transparency regarding every aspect of their
loans. As such, we can guarantee that there will be no hidden fees or shocks.
This means that if you have bad credit, you can quickly compare which loan with
bad credit offered by lenders in the UK require no guarantor; allowing you to
make a more informed decision and helping to ensure you get the very best deal
for you.


WILL I NEED TO PAY A FEE IF I HAVE NO GUARANTOR?

New Horizons never charge a fee for using our service, regardless of your
circumstances or credit rating.

The lender should make any costs associated with your loan clear upfront. For
instance, some lenders don’t charge interest on smaller payday loans. They will
agree a fixed fee with you instead. All our lenders are registered with the FCA
(Financial Conduct Authority) so will be upfront about any fees or the APR rate
if applicable.


CAN I GET A NO GUARANTOR LOAN WITHOUT A CREDIT CHECK?

No. You can apply through New Horizons without having a full credit check
because lenders initially only perform a soft credit check. This gives enough
information to compare your details to our panel of lenders without leaving a
mark on your credit report.


IT'S QUICK & EASY

Apply for a loan

However, if you’re eligible and accept a loan offer, all reputable direct
lenders are required by the FCA (Financial Conduct Authority) to carry out a
full credit check before they release any funds. If a company says they can get
you a loan without a credit check, we would advise you to be wary of dealing
with them. They may not be registered with the FCA, or they could merely be
misleading you.


WHAT CAN I DO IF I AM STRUGGLING TO REPAY MY DEBTS?

If you are struggling with your debts and require assistance. You can speak to
the companies below, free of charge.

moneyadviceservice.org.uk
stepchange.org
nationaldebtline.org


DO YOU NEED A LOAN?

Apply now and the money could be in your bank today *. It only takes a few
minutes to apply, and it does not affect your credit score †.

Apply Today


WHAT OUR CUSTOMERS SAY...



MORE LOAN INFORMATION

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New Horizons is a registered trading name of New Horizons Finance Limited, which
is an Introducer Appointed Representative of Flux Funding Limited. Registered in
England and Wales (Company number 11757330/FRN 834535) Registered Office:
Building 3, 566 Chiswick High Road, Chiswick Park, London, United Kingdom, W4
5YA. Flux Funding is authorised and regulated by the Financial Conduct Authority
and is entered on the Financial Services Register under reference number:
806333. Licenced by the Information Commissioners Office, (registration number
ZA496853)

Flux Funding is a licensed credit broker, not a lender. †New Horizons will not
perform a credit check. If you are accepted by a lender, they will perform a
credit search. *Once approved, your cash will be sent within 15 minutes. The
time that it takes for the cash to be received in your account will depend on
your bank’s policies and procedures. **Based on the average number of
applications in February 2020. The minimum repayment term for a loan is 3 months

New Horizons does not charge customers a fee for using its services, but it
receives a commission from lenders or other brokers if a customer enters into a
consumer credit agreement following an introduction through this website.

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