Representative Example:
| Loan Amount | Repayment Term | APR | Monthly Instalment | Total Interest to Pay | Total amount repayable |
|---|---|---|---|---|---|
| €1,000 | 12 months | 18.5% | €91.92 | €103.02 | €1,103.02 |
*(The figures shown are for illustrative purposes only. Borrow only what you need and can comfortably afford to repay.)
A no guarantor loan does not require asking someone else to cover repayments if you fall behind. It completely removes the requirement of a guarantor or a co-signer.
You apply under your own financial capacity, using your own income. Basically, these can be short- or medium-term borrowing options, depending on the amount borrowed and repayment period.
The application is completed in your own name, without requiring another person to act as a guarantor or co-signer.
Don't trust advertisements highlighting loans without a guarantor and no credit check while comparing deals.
A responsible lender will perform a credit assessment based on individual income and financial circumstances.
Qualifying for these small loans involves simple eligibility requirements. Here they are:
Fulfilling these requirements does not guarantee loan approval. It largely depends on multiple factors like your application, monthly income and ability to repay.
Whatever the loan amount you choose within the given range, there will be a guarantor-free option to match.
| Amount | Best Uses |
|---|---|
| €1,000 | Covers smaller costs like a car repair or unexpected bill |
| €1,500 | Suits bigger needs, from appliances to travel costs |
| €2,000 | Ideal to fill the funding gap during larger purchases |
| €5,000 | Works well for bigger plans, like home repairs or debt consolidation |
| €10,000 | Best to fulfil larger needs |
The amount you can borrow depends on your individual circumstances, income and credit assessment.
People in Ireland use loans with no requirement of a guarantor for all kinds of genuine, everyday needs. For instance:
Whatever the reason, we assess based on income and expenses, not what the purpose of taking a loan is.
You can apply online to get these quick loans. It requires only 4 simple steps:
Complete an online application
Provide any information or documents requested during the assessment and submit the application.
Review of your application
We start an early review of your income and repayment ability.
Get a loan decision
We make a fast loan decision, often on the same day.
Receive funds
Once approved, we quickly transfer the funds to your bank account.
We are the responsible direct lender, and there is no broker delay slowing the process down.
Would you like to manage everything from your phone? Online loans mean you do not need any branch visits.
For anyone who wants urgent funding, this is the more direct path to access funds. At GoBigBucks, we aim to make quick and easy loans with no guarantor, not just advertisements.
With online loans, you do not require many documents to submit. Instead, you need to share:
Once ready with these documents, you can apply for a personal loan without a guarantor through GoBigBucks in one sitting. We accept multiple income sources like employed, self-employed, or on-benefit income.
We consider your affordability, not only your score. A low credit score should not end your borrowing chances.
Our bad credit loans in Ireland with no guarantor options assess your current income against the amount you need.
Some lenders advertise their products as no credit check loans with no guarantors. We follow a responsible lending path where we always run a soft credit search.
We aim to make the repayments manageable. Here are the benefits of choosing a guarantor-free option with bad credit:
Before applying for a no guarantor loan, consider these factors:
Only apply if you are confident that you can afford the repayments. Make sure no unnecessary pressure is on your finances.
We judge every application on its own merit, not on a guarantor’s willingness to pledge for you for the repayments.
We bring multiple advantages as a reliable loan provider in Ireland, including:
Borrow Responsibly
All loans are subject to a status and affordability check. Rates and terms depend on your financial situation.
Missing repayments can affect your credit rating. Only borrow what you can comfortably afford to repay.