It is relatively easy to get the money you need, fast. In the UK, you can now apply to get bad credit loans with no guarantor needed.
Most all loan applications require a credit check. Some also require a guarantor. This is someone who is between ages 18 to 75 who has relatively good credit. This individual is the one who would be responsible for paying your loan in the event you stop paying it.
What you want to look for if you have bad credit is an online bad credit loans with no guarantor lender. This is not the same as a no credit check lender. Be careful to avoid applying for any no guarantor loan where the lender also does not do a credit check. These loans are illegal and are not regulated by the FCA.
There are loans that you can apply for even if you have had a bankruptcy. As long as you have not been in the bankruptcy for a year, you can get a loan with no one to back it up for you. Most bad credit lenders will consider your application, so go ahead and fill it out and submit it online.
Many lenders will provide you with the money the same day as you apply. Be sure to read all the terms of the loan online. The terms are usually on the website as well as on the fine print on your loan documents.
When you apply note that you must have a car or a home to secure the loan. Some lenders without guarantors do not require that you own your home. They only require that you can prove you are a tenant.
Before you apply, check for several reputable online no guarantor lenders. Some lenders are that source the actual lender from a pool of lenders. Ideally, you want to find a direct lender. This can make the application process and funding process smoother for you and the repayment process easier as well.
As for your payments, you may need to sign up for direct debit from your chosen bank account. This is set up for you during the application process. It can make repaying your loan a lot easier to do since you only need to remember to have enough money in the account to cover your payments on the dates designated in your contract.
Get the money you need now. You can do it even with bad credit with a no guarantor loan.