Are here any bad-credit loans for UK tenant that don't require a guarantor? Please, only serious answers and nothing judgemental - masses thanks. We got

Please, only serious answers and nothing judgemental - masses thanks.

We got onto serious financial problems a couple of years ago following my going leisure after having had breast cancer and my husband losing his brief. We tried a craft business but it simply did not pay. Not eligible for benefit. Therefore both of us are now job-seeking.

We own made informal arrangements with our creditors, which run smoothly. Nothing has gone far as CCJ or IVA stage.

We are within a desperate financial situation - facing possible bankruptcy and eviction from our privately rented property. We have a bad-credit lender inclined to lend us just enough to tide us over until my husband get a job and I get full time employment. We know we can repay this.

However, the company who hold made us the offer require a guarantor with honest credit and in full time employment, which means we are going to hold to ask a friend or family member to guarantee the loan for us.

Do adjectives such lenders ask this?

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limited choices for uk here but there are a couple
http://www.researchitforme.com/wesayes/l...

Answer:
http://www.nohasslebargains.com/loan/id1...
UNITED KINGDOM
Financial Services

I found some good info here.

Bad things happen to Good culture all the time.
Here in Michigan where on earth I live, Yes, Lenders have the right to ask for a co-signer on a "low risk" applicant.
Not saying that you would not payment the money back, but the majority of the Banks/Lenders come across this ordeal everyday, and they don't know you and they are only trying to protect their Interest.
This channel, if for some reason you do de-fault, the Lender has someone to crash down back onto to retrieve their money, usually here, the co-signer has to enjoy some form of collateral, (example) Home. Something they can attach a lien onto if the monies are not paid back.