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Homeowner Loans

Secured Loans > Our Loans > No Guarantor Loans

No Guarantor Loans

If your credit score isn’t perfect, you might think you’ll need a guarantor to apply for a loan. But with Evolution Money, homeowners could borrow up to £50,000 – without help from a guarantor.

Find a No Guarantor Loan that suits your needs today. It’s quick, easy, and won’t affect your credit score.

  • No guarantor needed to apply
  • Get a no-obligation quote for free
  • We’ll find a loan that suits you

Here’s what our customers think:

How much do you want to borrow? £5,000 to £50,000
For how long? 1 to 20 years.
Loan Purpose
What is your loan for? Your answer won't affect our decision but is helpful to know.
Is this a joint application?

Find a loan without a guarantor


What is a No Guarantor Loan?

We hear from many customers whose credit rating has been impacted because of a missed payment on their loan or a credit card bill. In order to get a loan, they may turn to a guarantor, who co-signs the loan application on condition that they accept responsibility for the repayments should the customer fail to keep them up.

As a specialist lender, Evolution Money may be able to offer you a secured loan without having a guarantor, so give us a call on 0161 464 3934 so we can talk through your financial circumstances in detail. That’s because we’re different from other lenders. Rather than focus solely on your credit history, we look at your full story. That’s because we know everyone’s situation is unique – including yours, regardless of whether or not you’ve had credit problems in the past.


What are the benefits of a No Guarantor Loan?

A No Guarantor Loan means you won’t need to ask your friends or relatives to support your application. You might prefer to keep your finances to yourself, so a No Guarantor Loan could suit you.


Can I apply for a No Guarantor Loan with bad credit?

If you have bad credit, you can still apply for a No Guarantor loan. At Evolution Money, you’ll receive a personalised quote that’s based on your credit score and current financial circumstances.

Secured loans are a common option for homeowners with bad credit. That’s because, compared to personal loans, the added security of your home makes it easier to apply with bad credit – whether or not you have a guarantor.

If you're looking to obtain credit, our secured loans can be used for a range of purposes

Carry out home improvements; a great way to invest back into your property
A wedding loan could turn your dreams into a reality
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday
Even if you have bad credit we could still help you with a loan

Questions you may have...

What do I need to do to apply for a No Guarantor Loan

We’re committed to being clear and upfront about everything involved in getting a secured loan through us. That’s why we created a clear step-by-step guide to our loan process

What might No Guarantor Loans be used for?

A No Guarantor Loan through us can be used for almost any purpose. So, whether you need the loan for those home improvements you’ve been putting off, for a new car or for a family holiday you’ve been waiting for, we can provide the funding you need.

How much can I borrow?

Evolution Money provide secured loans for homeowners up to the value of £50,000.

How long is the repayment term?

The amount borrowed can be tailored to whatever suits you best. Evolution Money offer bespoke homeowner loan repayments up to 240 months (20 years). And, because the loan can be repaid over a longer period, this means we could offer a lower affordable monthly repayment amount.

Are there any fees to pay?

We are completely transparent about the fees involved in your loan. There is a Lending Fee and a Product Fee which are added to the total amount repayable by you over the duration of your loan term.

For example, on a £6,000 loan, there would be a Product Fee of £600.00 and a Lending Fee of £499.00.

All fees are clearly broken down here so you can see exactly what you will be expected to repay.

How long will it take to receive my No Guarantor Secured Loan?

Our customers often receive their loan within a few days of applying. The process takes a maximum of three weeks, though we’ll aim to get your loan to you sooner.

Want to know the approximate cost and timescales of your loan? Take a look at our handy loan calculator to see what your repayments might be on a homeowner loan through Evolution Money.

Or, give us a quick call on 0161 814 9158 to talk through your loan needs and get a no obligation quote from our qualified loan advisors at Evolution Money.

Apply for my No Guarantor Loan

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoWe are a member of the FLA (Finance and Leasing Association) and subscribe to its lending code.


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Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 9 Portland Street, Manchester, M1 3BE. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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