There are many loan options available in the UK marketplace, which have specifically target borrowers. Very bad credit loans no guarantor direct lender are indeed among them. These loans fall into the category of short-term personal loans where the lender does not make the presence of guarantor mandatory. Many individuals are there especially those with poor credit scores, who find difficult to have a reliable person to take loan guarantee. Getting these loans is beneficial because you get the amount quickly with no need of a broker. Lenders may agree upon releasing the amount according to the financial situation of the borrowers.