How Sunny no guarantor loans can help

Sunny aims to help as many people as possible access the emergency cash they need, when they need it. We believe in offering “life support” and strive to provide the best deal when you need money fast. Here, we’ve broken down some of the benefits of a no guarantor loan from Sunny.

  • Once accepted, you receive your money fast. It can land in your bank account in 15 minutes, in some cases!

  • We do not charge any fees, just interest. If you repay your loan early, you’ll save money on interest, too.

  • Our customers love that we offer you the chance to change your mind. If you don’t need your loan, let us know in five days and you won’t pay a penny, in interest.

No guarantor loan example

Our loan sizes range from £100 to £2,500. Therefore, it’s likely we offer a flexible loan suited to your needs. Use our calculator below to determine which loan size and repayment period could work out best for you.

Monthly rate
Based on a
30 day month
Loan term
The loan term is fixed but you can repay early at any time
The loan term is fixed but you can repay early at any time
Representative example
£ for months
%pa (fixed)

No Guarantor loans information hub

Here, we’ve answered some common questions around no guarantor loans. These can help if you’re confused about the loan type or the process. If we haven’t answered your question here, check out our FAQ section.

  • This loan type works like a typical cash or payday loan, you simply fill in your details and apply and we will confirm whether you have been accepted or not. You do not need to provide details of anyone who may support you with your repayments.

  • You could consider a no guarantor loan if you don’t have another person available to help cover your costs if you find you fall behind on payments. 

  • Yes, it is possible. Take a look at our bad credit loans guide for more information on obtaining a payday loan with a poor credit history. 

  • Yes, we will perform a thorough check credit and affordability assessment and consider your application based on what we find there. Your credit score is based on your financial past and is generally used to predict your future behaviour, so companies can determine how likely you are to be able to pay back any money they lend to you. If your loan applications keep getting rejected, examining your credit history is a good place to start in understanding why.

  • If your credit score is low, there are a few quick actions you can take that can help improve it. The first fix is to look at your credit score using free tools like Noddle, ClearScore or Experian and check that there are no mistakes listed which could be bringing your score down. If you find any potential mistakes, report them to all three of the above agencies, and the companies who filed them, as soon as possible. You can also register on the electoral roll if you are not already and close joint bank accounts, thereby ending financial associations with those who have a poor credit rating. Otherwise, borrowing small amounts and paying these back in full and on time will help to prove you are a responsible borrower. 

Comments from Sunny customers

We’ve helped a lot of people looking for emergency cash and they’ve called us many nice things in return – fast, reliable and brilliant are just a few words used to describe our service. Take a look at our Trustpilot reviews** and get in touch if you need any more information.

Got everything you need?

If you feel clued up on no guarantor loans, hit the apply now button below. It’s important you understand what is involved with this type of loan and the effects it could have on you financially. We recommend you speak to an expert about your finances if you feel you need support handling money or dealing with debt.

Apply now

Looking for alternative lending options?

We encourage you to compare our loans to other short-term lenders to find what is best suited to you and your financial situation. You can also check out more information about the different circumstances when you may require one. Take a look at our guides on bad credit loans and payday loans to see how our short-term loans can help people in a range of circumstances.