You cannot get a guarantor loan without a guarantor. Usually a guarantor loan is used by individuals that are having a hard time getting trusted by a bank or an online lender, and so they are declined for any loan requests. Friends and family members, your co-workers know you better, and can be in a position to vouch for you, so that you can get the money you need. However If you are having a difficult time finding anyone that would trust you to repay a loan, then it is possible that borrowing money is not the right solution for your situation.