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No Guarantor Loans

Secured Loans > Our Loans > No Guarantor Bad Credit Loans

No Guarantor Bad Credit 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.

We can provide loans with no guarantor needed that are tailored to your circumstances. It’s quick, easy and won’t affect your credit score. Get a free no-obligation quote today or use our calculator to find the terms that suit you.

Find out what our customers think and if you have any questions you can give us a quick call on 0161 814 9158

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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?

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.

Loans with no guarantor needed means the agreement is just between you and your lender. It doesn’t require another person with a better credit rating.

As a specialist lender, Evolution Money may be able to offer you a secured loan without having a guarantor. Give us a call on 0161 814 9158 and we can talk through your financial circumstances in detail and help get the right no guarantor loan for you.

Because we’re different from other lenders, we look at your full story rather than focus solely on your credit history. That’s because we know everyone’s situation is unique, regardless of whether or not you’ve had credit problems in the past.

What are the benefits of a no guarantor loan?

No guarantor loans mean you don’t need to ask your friends or relatives to support your application. Our quick no guarantor loans mean once your application is approved you could receive your loan within a few days.

No guarantor loans are ideal for emergency expenses, like a boiler breakdown or emergency car repairs.

Can I apply for a no guarantor loan with bad credit?

If you have bad credit, a no guarantor loan could be the solution you’ve been looking for. At Evolution Money, our quick loans don’t need a guarantor as they are secured against your home.

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

We’ll provide you with a personalised quote based on your credit score and current financial circumstances to help you stay in control of your finances.

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?

Getting a loan without a guarantor couldn’t be easier. Use our handy loan calculator form to give you an idea of your monthly repayments, depending on the amount and the duration of your loan.

You can either give us a call on 0161 814 9158 or request a callback through our online application form and we’ll get your no guarantor loan application started.

We’ve created a clear to our loan process to give you more information and put your mind at ease.

What might no guarantor loans be used for?

No guarantor loans can be used for almost any purpose. So, whether you need the loan for some home improvements, a new car or even for a family holiday, we can provide the funding you need. Even if you have bad credit.

How much can I borrow?

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

How long is the repayment term?

Our no guarantor loans even if you have poor credit can be tailored to whatever time frame suits you. We offer bespoke homeowner loan repayments up to 240 months (20 years).

These long-term no guarantor loans also have the advantage of lower, more affordable monthly repayment amounts.

Are there any fees?

We are completely transparent about the fees involved in your loan. There is a Lending Fee and a Product Fee 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 £699.00.

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?

We offer quick loans with no guarantor because we know in emergencies time is often of the essence. Our customers often receive their loan within a few days of applying. The process takes a maximum of three weeks, although we of course aim to get your loan to you sooner.

Why choose Evolution Money for a no guarantor secured loan?

With Evolution Money, you’ll deal with people who understand you and who understand loans. We know that no two circumstances are the same, which is why we offer loans to people with bad credit with no guarantor.

Recent economic events mean that many traditional bank and building society lenders have either severely tightened their lending criteria or have stopped lending altogether, making it harder for some people to access much-needed funds.

If you’re ready to find out why we’re award-winning and trusted not only within the industry but by people just like you, contact us today.

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 no guarantor loan through Evolution Money.

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

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Our Address

Evolution Money,
9 Portland Street,
Manchester,
M1 3BE


Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

Complaints:
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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