No guarantor loans


Select your loan options

How much? £

Number of repayments

repayments of

When is your next payday?

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
First repayment date:
Instalment amount:
Total repayable:

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
Date of repayment:
Interest per day:
Total repayable:

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates

Representative Example: £300 borrowed for 6 months. Annual interest rate of 179% (fixed). Total amount repayable is £461.70 in 6 monthly instalments of £76.95. Representative 444% APR.

Apply for a no guarantor loan in 3 steps

Apply for your loan

To apply for your no guarantor loan, just select the amount you want to borrow and how long for. You could borrow between £100 - £2,000, repayable over 3 - 12 months.

Get a decision

Based on the details you’ve provided, we’ll make a lending decision. All applications are subject to credit and affordability checks.

Money deposited

If your application has been approved, it will be finalised and deposited to your bank account subject to our final checks**

Ways to apply for your no guarantor loan

Online

Fill out our application form online, and receive an instant lending decision.

Apply now

In-store

Visit one of our 200+ stores to apply for no guarantor loans.

Find a store

By phone

You can also apply for your loan by giving us a call on 0800 009 3565*.

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What is a no guarantor loan?

Whereas a guarantor loan means that a friend or family member can support your loan if you are unable to make a payment; a no guarantor loan means that you are solely responsible for repayment.

Why choose a no guarantor loan?

Whilst guarantor loans can be cheaper as your guarantor has agreed that they will accept responsibility for paying the loan if you don’t make the repayments; you may decide to choose a short term loan without a guarantor instead. One reason could be because you decide you don’t want to ask someone to act as guarantor.

Does The Money Shop offer no guarantor loans?

We do offer no guarantor loans, in the form of our short term loans (our payday loan alternative). You can choose to borrow from £100 - £2,000; repayable over 3 – 12 months aligned to your payday subject to credit and affordability checks. Find out more about our 3 month loans, 6 month loans and 12 month loans.

You can decide to spread repayments over a longer period of time, so that each repayment is a smaller amount. Please note that borrowing for longer can be more expensive.

If you decide that you’d like to repay your no guarantor loan back earlier, then you can do. Interest is paid on a daily basis of between 36p – 64p per day per £100 borrowed. As it’s worked out on a daily basis, if you settle your loan earlier, you’ll pay less. Please note that borrowing for longer can be more expensive.

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Why choose no guarantor loans with The Money Shop?

We don’t charge any fees on our no guarantor loans: that’s no arrangement, late or early repayment fees. All you pay on your loan is the agreed interest.

When looking for no guarantor loan providers, it’s important you research different companies and only consider those who are responsible. We’re regulated by the Financial Conduct Authority (FCA) and are members of the Consumer Finance Association (CFA).

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Important information about your no guarantor loan<h3.

Your loan repayment(s) will be taken automatically on the contractual date(s) using your debit card. If your card details have changed please contact us urgently on 0800 009 3565* to update these.

There aren’t any late repayment fees if you miss a payment for your loan, and we won’t charge any additional interest. However, late repayment may result in us reporting this to the credit reference agencies, which may have a negative effect on your credit score.

If you are an existing customer and would like to apply for an instalment loan online, please do this through your online account. Alternatively, you can visit us in store or contact us on 0800 009 3565* to apply by phone**.

We understand that your personal and financial circumstances can change. If this occurs, or if you are having trouble repaying your online loan, let us know as soon as possible by contacting us on 0800 009 3565*, and we will do our best to help.

Free debt advice

If you are experiencing financial difficulty, please click here to find information on non-fee charging agencies that provide independent advice.

Short term online loans should not be used as a long term financial solution

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