Apply for a loan directly with a lender, no guarantor needed
Apply for up to £5000 with a direct UK lender. Get an instant decision with no fees and no credit checks.^
Representative 79.5% APR. Warning: Late repayment can cause serious money problems. For help, please go to Moneyhelper
We are an authorised credit broker and not a lender.
Representative 79.5% APR
Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable)
Lendability is a credit broker and not a lender. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing
Straight forward loans with no Guarantors needed
If you are looking for a straight forward loan product without the hassle of finding a guarantor then Lendability loan products could be for you.
Lendability works with more than 40 different unsecured lenders that will not require you to have a guarantor in order to consider your application for a bad credit loan.
Some years ago Guarantor Lenders were often where most people would be sent to if they couldn’t find a loan but this has changed considerably and other lenders expand on their range of products.
Apply for a loan now with Lendability and we will try and find you a suitable loan with no guarantor.
No Guarantor Loans
Do guarantor loans still exist?
Yes they do but there are now far fewer lenders than there has ever been in the market.
Will I be sent to a guarantor lender?
Guarantor lenders would be the very last lender we would consider for an applicant, we know they are not for everybody but for some they do offer a competitive loan product.
What is a guarantor?
A guarantor is somebody that guarantees the loan will be repaid if the borrower fails to make repayments. They assume responsibility for a loan if you fail to repay it.
What loans do you offer?
The loans available on Lendability are unsecured personal loans, from 1 month to 5 years.
Ready to apply for a loan?
Guides & Articles
Take a look at a selection of our most popular guides and articles about personal finance and the loans that we offer.
How it works
We have worked hard to make the loan application process as simple as possible to ensure you get your loan when you need it.
APPLY ONLINE
This application is 100% safe and secure, your data is encrypted. Applying with Lendability will not affect your credit score.^
CHECK OFFERS
Wait for your loan results and check the loan terms and conditions. You must ensure it is affordable before accepting any offer.
GET FUNDS
Once you have signed your loan documents and the lender has made their final checks, your loan will be sent to your bank account.
^Lendability will not perform a credit check, lenders may complete a soft check when considering your application for a loan. If you accept a loan offer, the lender will perform a hard search which may be recorded on your credit report. Not all lenders are able to make same day payments and this may also depend on your bank.
Lendability does not charge its customers for using its credit broking services but we may receive a commission from lenders or other brokers if a customer accepts any credit related offer or enters a credit agreement through this website.
Lendability is a trading name of Warwick Financial Services Limited, a company registered in England and Wales with company number 09011092. Registered office: 4th Floor, 18 St Cross Street, London, EC1N 8UN. FCA Licence number 622839. ICO registration number ZA101793.