Guaranteed Loans

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If you’re in a financial emergency or eager to start a project, having guaranteed approval can help. However, we cannot guarantee acceptance on every loan directly. We’re proud to be a premium broker, connecting you to 40+ lenders who could accept your application if we can’t. All you have to do is fill in a single application and let us do the rest of the work.

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What Are Guaranteed Loans from Direct Lenders?

Guaranteed loans are defined as being loans that you are guaranteed to receive following your application. As responsible lenders, we have to conduct full credit and affordability checks as part of FCA guidelines. We’re proud to be an FCA authorised lender, but this does mean we cannot guarantee you a direct acceptance. Our Credit on Demand service means you may still be eligible for a loan from one of our panel of 40+ lenders.

We compare loan offers from a number of the industry’s most trusted, FCA-approved lenders. This ensures that all our applicants stand the best chance at receiving acceptance. We’re proud to offer a high acceptance rate as a direct lender ourselves. But we understand that not every application will be the best fit. This is why we’re happy to direct you to another trusted lender if this is the case. It’s not a guarantee, but it’s the next best thing.

What Are Secured Loans?

Can A Loan Be Guaranteed?

As mentioned before, under FCA legislation, guaranteed acceptance loans are not available. This is due to the creditworthiness checks that need to be in place. We make every effort to provide our applicants with access to the money they need. We always put safety first to ensure that we conduct all the relevant assessments and checks before lending. This is to make sure that, as far as we are aware, you can manage the loan and repayments.


According to FCA guidelines, we have to undertake an assessment before entering into an agreement. This is in order to determine the affordability risk of any loan amount. This is to not only reduce the risk associated but ensure you can lend safely and in confidence.

For this reason, we cannot guarantee acceptance as a direct lender. We will provide you with alternative loan offers from our panel of lenders who may be more suited to your needs. All lenders on our panel are FCA regulated and trustworthy. If another lender makes a bad credit loans guaranteed approval, you should take caution when applying with them. In this situation, it may even be better to avoid them completely.


Are Our Loans Guaranteed To Be Accepted?

At Personal Loans Now, we do not operate a guaranteed acceptance loans process. We do aim to provide you with the best possible chance of getting the money you need when you need it. We do this using our Credit on Demand service, as well as operating a high acceptance rate for applicants. This is regardless of whether they have low, fair or limited credit scores. Similarly, we cannot offer guaranteed loans with no credit check either. This is our commitment to responsible lending.

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How Can I Improve My Chances Of Acceptance?

If you want to improve your chances of acceptance for guaranteed loans, you should keep affordability in mind. Some lenders may offer alternative repayment periods to counter affordability. However, there’s no guarantee they will be able to do so. For this reason, you need to determine a rough estimate of your own affordability prior to applying. This is to give yourself the best chance at being accepted.

Ask yourself the following questions – how much money do you need, and what would your ideal monthly repayment be? Once you’ve worked out these two figures, you can use a loan calculator to work out the best repayment period. This is to suit you and your budget and improve your chances of acceptance.

Additionally, a poor credit score could have an effect not just on whether you are accepted. It can affect the interest rates you’re charged if you’re successful. Checking your credit report at Credit Reference Agencies (CRA) can be a quick fix for a poor score. As well as requesting the removal of any details that are now over 6 years old. If your score is poor because it is limited, you can build up credit with a 0%-interest credit card. This will help to improve your chances of acceptance on any loan or form of credit.

Guaranteed Loans FAQs

Are Secured Loans Guaranteed?

Even if you have collateral available to put against the loan, you still can’t get guaranteed acceptance loans. Secured loans are available to more people due to the reduced risk involved for the lender. They do still require you to pass the relevant checks before acceptance. You still need to be able to meet repayments in order to protect your assets from repossession. This is one of the risks if you were to default on the loan.

Can You Offer Guaranteed Loans for Bad Credit?

If you have bad credit, you cannot be guaranteed a loan, however, all is not lost. At Personal Loans Now, we constantly strive to provide loans to as many people as possible and that includes individuals who may have poor or limited credit. What’s more, if we are unable to lend to you directly ourselves, as a broker we can provide you with a list of alternative guaranteed loans for bad credit from our panel of 40+ lenders in order to give you your best chance.

Are Guaranteed Loans for Unemployed Applicants Available?

As with any loan form, lenders typically require you to be employed to be accepted for a loan. However, an increasing number of lenders are providing guaranteed loans for unemployed applicants. Providing you have proof of income and other money you have to hand, such as savings, you could still be accepted. This is not guaranteed, but we’ll compare the best rates across our loan products and our panel of lenders too.

Am I Eligible For A Guaranteed Loan?

As mentioned before, we cannot offer guaranteed loans. Providing you’re eligible for personal loans in general, we can utilise our Credit on Demand service. This will provide you with a higher chance of acceptance. In order to be eligible for a loan, you must:

  • Be over the age of 18
  • Be a legal resident of the UK
  • Hold a UK bank account
  • Have some form of regular income

Are Guaranteed Loans Safe?

If a lender advertises guaranteed loan acceptance, this is not a legal product available in the UK. All lenders that are approved by the FCA must conduct creditworthiness checks. For this reason, no application is guaranteed to be accepted. Even with a perfect score, you could be refused a loan if your situation determines you can’t afford it. This is in order to protect you as a consumer. If, for any reason, a lender guarantees you acceptance, take caution with your application. It may be better to avoid applying with them completely.

We are FCA approved and will never guarantee acceptance. However, we are proud to have a high acceptance rate across all kinds of loan types and credit situations. Our broker service also provides an additional layer of potential for our applicants. All you have to do is fill in one application, and we’ll do all the leg work for you. We’ll compare loans across 40+ lenders, finding you the best rates and highest chances for approval.

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