WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. RATES FROM 45.3% APR TO 1575% APR FOR HELP, GO TO MONEYADVICESERVICE.ORG.UK

The Answer To Your Cash Needs

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.

The Great Things About KnightFinance

Super Fast Process

You could get money directly into your account after just a 15 minutes application.

Affordable Finance

Get the cash you need without the usual high costs, because of our wide range of lenders.

Low Interest Rates

Compare lenders to make sure that you get the lowest possible rates.

Unsecured loans

There’s no need to put any collateral against your credit, all our loans are unsecured.

Personal Loans that are Unsecured

It is so easy to get the finance you need today. Here at KnightFinance we pride ourselves on finding the right payment plan to suit anyone’s individual needs. Whether you are looking to borrow a small amount over a short period or are looking for much larger finance agreement we are able to help. Also known as personal loans or signature loans, unsecured loans are becoming a massively popular alternative to the standard bank loan. What unsecured refers to is how the finance is issued depending on the individual’s creditworthiness. Now when that comes to a bank loan, yes this is regarding your credit score, often making it difficult to get the finance you need. However, when we are talking about a loan that is not from a bank this is not the case. Many companies and lenders will not look at your credit score and will gauge your ability to repay on your current employment. So what is an unsecured loan really? This is quite an easy one, all it means is that the loan is not guaranteed by a property or vehicle. Because the lender does not have a source of collateral, just in case you default on payments for whatever reason, the interest for these loans can sometimes be higher than their counterparts. For those with bad credit, though, they are perfect for getting you back on track.

As a full time student working two jobs to get the bills paid and still being skint all the time, having a short term loan between pay days can be useful. Used Knight Finance after a recommendation from a friend and I’m glad I did. Borrowed just under £200 and paid £212 back, no where near the interest I would have paid elsewhere. Will definitely recommend if you’re strapped for cash and know you can pay it back.

Photo taken by Jonathan Chen

Alexia Newton

Support Worker

See How Our Competitors Compare

Loan amount
£200 - £1,100
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1 - 4 Months
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Loan amount
£100 - £2,000
Loan term
1 -12 Months
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Taking out CCJ Loans no Guarantor in the UK

When you have bad credit or one that has a CCJ recorded in it, majority of mainstream lenders will only accept your request for a loan if you attach some form of security in it. When its a personal loan, this means providing a guarantor who will support your loan application.

Your guarantor is normally someone who shares a personal relationship with you like a relative or best friend. The person must also have a solid credit rating, a strong income level and is a homeowner in most cases to prove to lenders that they have the financial means needed to pay off the loan in case you default from them.

What are CCJ loans no guarantor?

CCJ loans no guarantor are typically offered in small amounts anywhere form £100 to £1,000 without any guarantor needed to back up your loan application. Guarantors where designed especially for borrowers with bad credit ratings as a means to provide security to the money that is being lent. Because guarantors are legally obliged to take over the loan and its repayments when the primary borrower defaults from them, lenders are more comfortable approving loan request even if they come from applicants that have adverse credit ratings.

Sourcing out a guarantor however, is not as easy as it sounds. First of all, you will need to find some one who has a strong credit rating and meets that other eligibility requirements for the role. The person must also agree to carry the burden of the loan in case you find yourself struggling to cover the repayments. There’s also the chance that your simply not comfortable in involving other people, especially those who are close to you, in your financial dealings.

With that being said, you can relieve yourself from all the hassle and drama involved in a guarantor loan transaction through CCJ loans no guarantor. With this kind of borrowing, there are not outside parties involved which means you and you alone are responsible for your loan and its repayments as well.

Requirements for CCJ loans with no guarantor

Every lender offering the financial products in the UK have varying requirements for their borrowers. Typically though, they will include:

 Being more than 18 years old at the start of the application
 A citizen or legal resident of the United Kingdom
 Employed and have an income that meets the lender’s basic affordability requirements
 Have a valid debit account, email address and phone number

Once you have determined that you are eligible for the loan, simply submit an application online from any FCA licensed lender. Completing an online application form will take just several minutes of your time and once your done simply submit it. After a few minutes, you will then receive a response from your lender on whether your request for funding is approved or not. If you are approved, the funds will be transferred to your account shortly and should be ready for use within the day or the next business day!

5 most recent personal loan reviews

Review of Colonial Second Charge Loans

I love CSC loans I have been with them nearly three years, need a top up as my son is getting married. They where brilliant as usual, no problems, done so quick - they were my life savers when needed most, thank you.

Review posted by Mary Hartnoll, Canterbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Together

As guarantor for my daughters, loan the service we got was quick and efficient, did checks, asked questions and all was sorted very quickly, would definitely recommend Together loans to all.

Review posted by Susan Mills, Darlington

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Shawbrook Bank

Brilliant service. The application process was a doddle, the Shawbrook representative who called me was polite, understanding and cheerful. The whole thing (from starting the application process to receiving the money) took around 3 or 4 hours. Very quick and efficient and no long or silly forms to fill out. Just what was necessary. Am very pleased I chose Shawbrook.

Review posted by John Marcus, Surrey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from the UK Trust Pilot to certify authenticity.

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.