Borrow £100 to £5,000
over 3 to 36 months

Not sure if you'll be accepted?

Will you be approved?

No guarantor loans for bad credit

Online loans from £100 to £5,000

3 to 36 month terms.

Will you be approved?
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Lenders can check your eligibility in just 60 seconds. Find out if you’ll be approved with no credit footprint.

Will you be approved?

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Representative 49% APR.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


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

Can you get a loan with no guarantor?

In keeping with our commitment to helping as many people as possible get access to quick loans when they need them, our broker partner’s panel features many lenders offering loans without a guarantor. These short term loans are specifically designed for people unable or unwilling to ask someone to serve as a guarantor for a loan. Knowing this can sometimes be a sensitive topic, loans requiring no guarantor are very popular as lenders recognise the need for everyone to be able to get money when they need it – regardless of their personal circumstances.

Agreeing that a person should not be denied a loan simply because they do not have a suitable guarantor, CUJ Loans has striven to provide access to the best, most competitive non-guarantor loans currently available through our partner’s panel of lenders. Available for people who may have experienced a bad credit rating, CUJ Loans offer access to bad credit no guarantor loans for £100 to £5,000 to be repaid over 3 to 36 months.

Loan without guarantor questions:

Q1 – Are loans without a guarantor available instantly?
Q2 – Can apply for a no guarantor loan with bad credit?
Q3 – Will applying for a loan affect my credit score?
Q4 – How difficult is it to get a loan without a guarantor?

One of the biggest requirements for modern loans is that the money is placed into your account as quickly as possible. This is because the need for such loans is often needed in emergency situations. Furthermore, with people living much busier lives, time is always very important. As such, many lenders are offering shorter and shorter pay-out times to better reflect these demands and also make them stand out from the competition. Understanding the importance of speed, our broker partner has created a quick loans application process that can be simply followed by everyone and which gives you a decision instantly once you have completed your application.

If your loan is approved, their direct lenders will do everything they can to place the money you need into your account quickly. Not only does this provide you with the funds you need, but also gives you important peace of mind. Such instant loans with no guarantor are now an industry standard. And as such, these loans are now much more competitive than they once were and have the flexibility to give you what you need, fast.

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
Will you be approved?

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Find out your chances of being approved for a loan, without leaving a footprint on your credit file. Totally free and no obligation to apply.

Eligibility Check

Powered by Flux Funding

Our broker partner works with a large panel of lenders who specialise in providing no guarantor loans to people with bad credit. We understand that getting a loan from your bank if you have had a few late payments, is virtually impossible. Our broker partner help thousands of customers every day who have bad credit find a loan, so rest assured, you are in the right place and we are ready to assist you.
Get Your Loan Quote
This will not affect your credit score.
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
Will you be approved?

A major concern for many people when applying for a loan is whether doing so will negatively impact their credit score. Whilst the occasional credit search will not cause you any problems, applying for a lot of credit in a short period of time can definitely cause harm. When you apply for credit, the lender will review your credit report. This will show up to other lenders, so if you have applied multiple times, this does not look good.

At CUJ Loans, our broker partner’s panel of lenders, use what is called a ‘soft search’. This means that when you apply for a loan through us, we do not impact your credit rating. This ‘soft search’ is not available for other lenders to see and causes you no harm. This means that we can provide you with a decision on your application with the minimum of fuss. Should you be accepted for a loan and decide to proceed, only then will the lender complete a full credit check. Remember there is no such thing as a no credit check loan.

Get Your Loan Quote
This will not affect your credit score.

Like all loans, there is always the risk that your application will be turned down. With some brokers and money lenders, this risk is increased due to factors such as bad credit scores, not having a guarantor or being unemployed. However, CUJ Loans and our broker partner specialises in helping to reduce such risks. By offering an ‘Eligibility Checker’ and a panel of carefully selected lenders focusing on providing short term loans to people often struggling to be approved, they can offer a greater number of people access to cash than ever before.

Clearly highlighting our determination to make loans accessible to all, the simplified process and access to lenders who don’t simply focus on your credit history ensure you have a greater chance than ever before to be approved for a loan. What’s more, you can do all this safe in the knowledge that you won’t be damaging your credit score.

Get Your Loan Quote
This will not affect your credit score.

What do I need to get a Loan with CUJ Loans?

  • Over 18 Years of Age
  • Income over £400 Per month
  • Have a Bank Account with Debit Card
  • Be a UK Resident
  • All Credit Scores Considered
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Will you be approved?

No credit footprint

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Access up to £5,000 today

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  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • Only takes 2 minutes to complete
  • No impact on your credit score
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