PERSONAL FINANCE BLOG

Money shouldn´t stop making your plans come true. Learn how personal loans can help you!
No guarantor loans
23 May 2018

Loans without credit or guarantor

Is It Possible to Get Loans Without Guarantor?

The simple answer is of course yes, it is absolutely possible to get loans without credit or guarantor. The only difficult thing is finding them, but that is where we at Bonsai Finance come in. Traditionally, bad credit used to make it a tricky business for people to find any loans, let alone ones with decent interest rates or of a reasonable length. You may want a loan for £1000, but you don’t want to be paying it back for fifteen years!

How Can You Find Loans If You Have Bad Credit?

Even if you have had a bad experience in the past resulting in defaulted or late payments, County Court Judgements (CCJ) against you, or have been declared bankrupt, it is still possible to find a loan. We can do the hard work for you and find lenders who are more enlightened than they used to be, as we have access to loans from firms who use more relevant data than a credit score when evaluating your application.

Don’t think that having a poor credit history puts you on a credit blacklist either, as this article from Which shows. Certain lenders are now using their own judgement and checking current employment status and salary instead of a credit score. Luckily, our experience helps us search out those lenders and make sure that the loans we find for you are affordable and have extremely competitive interest rates.

We Can Quickly Find the Right Loans for You

We know that a loan is generally required because of a sudden and unexpected reason and we can help with that as well. The online application process is simple and clear, and everything is designed so that we can find you the most appropriate of loans without a guarantor as quickly as possible, even if you have bad credit.

Should You Look Yourself for Loans Without Guarantor?

It is very easy to search for anything on the internet, but the results won’t tell you how trustworthy and reputable a company is. Also, many financial institutions seem to make their specific loan information hard to find, especially if you are looking for ones that offer no or guarantors. There may even be some that are completely unintelligible unless you have a degree in finance, and it can be confusing to compare like for like when the information they give you varies so much.

We have many years of experience in all areas of finance but particularly loans, which helps us know and identify the best lenders and the most appropriate loans for you. There is very little we don’t know about the loan industry, and we are confident in being able to find you the perfect loan whatever your circumstances.

How We Make It Easy for You to Find a Loan

There is no need to worry about your finances even if you have bad credit. We are experts in finding loans without guarantor requirements so that we can remove any stress you are feeling. Just relax while we do the work, and all you have to do is choose which loan is right for you.

If you are concerned that you don’t fit the criteria, just take a look at the simple requirements. You must:

  • Be between the ages of 18 and 65
  • Live in the UK
  • Have a valid bank account – this is used to verify your source of income and also where your loan payment will be deposited.
  • Submit a debit or credit card as a fallback solution for payment
  • Supply an active mobile number that can receive both voice and SMS text messages

It’s that simple. Contact us today so we can take the strain and find you an affordable, personal loan that is perfect just for you.