Online Guarantor Loans from £1,000 to £15,000

Quotes in 2-minutes for the loans you've been pre-approved for

  • Fast Online Loans
  • Quotes in 2-Mins
  • Poor Credit OK
  • Great Rates from 29.9%
  • Same Day Payouts
  • High Acceptance Rate
Family Pointing

Representative 49.9% APR

Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 installments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.

  • one simple form
  • over 35 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • secure

Why use this website?

We love guarantor loans and have been helping people get easy access to the very best loan deals since 2015.

We even do no guarantor loans!

our clients

FAST

Easy access to all the best deals. One simple form to over 35 lenders.

(no mark on your credit file)

our clients

FREE

This site is free for you to use. Loans cost the same as if you went to the lender directly.

(we’re paid by the lenders)

our clients

SAFE

We are fully FCA regulated and Information Commission Office registered.

(we’re a Surrey-based firm)

Popular Questions

1

What are guarantor loans?

Unsecured credit that requires the borrower to find someone to guarantee their application 🧑‍🤝‍🧑

  • Typically, a family member or friend (with a good credit rating and regular income).
  • A type of loan that helps people with a bad credit rating access affordable finance.
  • The borrower and guarantor both sign the credit agreement.

If the borrower defaults on their repayments, the guarantor has to make the monthly payments.

2

Who are the loans for?

People with

  1. A poor credit score who are looking for affordable finance 💸
  2. No credit history who are looking to build their score.
3

How to find a guarantor?

Ask close family and friends, people who know and trust you 📞

  • Give them the information they need
    • Prove that you can afford the monthly repayments
    • Explain why you need the money
    • Questions - see Being A Guarantor

For more information see: How do you find the perfect guarantor?

4

How quickly is the money paid out?

Application forms are quick and easy to fill out, and typically take 3-minutes ⏱️

  • In many cases payout is within 24 hours, though it can be the same day (see loan pay-out times) *

* Dependant on you getting all the information required by the lender in good time.

5

Am I guaranteed to get accepted?

A successful application cannot be guaranteed 🤞🏼

Though 9 out of 10 of our lender applicants get accepted.

  • Every lender has its own criteria, and whether they decide to lend to you will depend on the status of you and your guarantor.
  • If you and your guarantor meet the lender's criteria, then this will greatly increase your chances.
  • For more information see here.
6

Will I get credit checked?

For just getting a quote via our website you will not be credit checked 👍

  • The lenders just do a 'soft search' and this does not impact your file in any way.
  • When you take the next step of making a full application to a lender you will be credit checked, but if you have a poor credit rating that is not a problem.
  • Our lenders also consider
    • The credit history and income of your guarantor
    • Affordability for you.

Once you are making your repayments, they will be recorded on your credit file to build up your credit score.

7

What size loans are there, and how can I use the money?

Loans start from £500 and go up to £15,000.

  • So, if you're after a £1,000, £2,000, £3,000, £5,000, £10,000 or £15,000 loan, we've got you covered.

Our lenders understand there are many reasons why you may need access to additional funds

Their main concern is that you can afford their monthly repayments.

More Questions

1

Do I, or my guarantor need to be homeowners?

No, but the best rates are for guarantors who do own their own home 🏡

  • Your guarantor can be a tenant, for the options available click here.
  • You can be a tenant or living with parents, many of our lender’s customers are.

The finance is not secured against property, all are ‘unsecured’.

2

What fees and charges are there?

We are a free service - here is no charge for using GuarantorloansUK.net

For details of all fees and interest charges for the loans, click get quotes.

3

What is the cheapest option?

Our cheapest loans range from 29% to 59.9% Representative APR 📊

  • The finance available to you depends on your own personal circumstances.
  • See here a list of the lowest cost options.

To find out the options available to you fill out this 3-minute form to get quotes.

4

What if I cannot make the repayments?

Contact your lenders straight away if you are having difficulties ☎️

  • If you miss a payment, it is most likely that your lender will contact your guarantor directly to collect payment.
5

Can I pay off the loan early?

Most of our lenders do allow over-payments and paying off early 👍

  • Though check precise details with your preferred lender before signing the agreement, to ensure this meets your needs.
6

Can I change my mind after taking out the loan?

Under the Consumer Credit Act

This can be done verbally or in writing to the contact details listed on your credit agreement.

  • You will be required to repay any money that you have received from the lender, plus all interest and fees that have accumulated since receiving the funds.
7

Are you like a payday loan?

NO 👎

Payday are small loans typically up to £2,000, we do loans up to £15,000.

8

Even more questions?

See our FAQ section 

Who can get a loan?

How to get quotes and a loan?

1

Quick and easy online application

Only 2-minutes

One quick and simple online application form to get multiple quotes, all without having to speak to anyone.

2

You are eligibility checked with over 35 lenders

Less than 1 minute

Effortlessly find the loans you could qualify for in less than one minute - our amazing system will check with over 35 lenders for you.

3

Get loan quotes from lenders who have pre-approved you

Instant and online

Immediately see online the loans you have been pre-approved for, all done automatically without having to speak to anyone!

4

Choose lowest rate loan and finish application

Quick, easy, and online

Simply choose the best loan for you and finish off the quick online application with your chosen lender.

What can the loans be used for?

Guarantor loan deals

Buddy Logo

Buddy

  • ACTIVE AND LENDING 👍
  • Representative
    49.9% APR
  • Borrow
    £1,000 to £7,500
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
Guarantormyloan Logo

Guarantor My Loan

  • ACTIVE AND LENDING 👍
  • Representative
    48.9% APR (fixed)
  • Borrow
    £1,000 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
TrustTwo logo
Low APR

Trust Two

  • ACTIVE: Low rate for Homeowner Guarantor
  • Representative
    37.9% APR
  • Borrow
    £500 to £15,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner only
TrustTwo logo

Trust Two

  • ACTIVE : Tenant Guarantor
  • Representative
    49.74% APR
  • Borrow
    £500 to £15,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Tenant or living with parents
UK Credit Logo
Lowest APR

UK Credit

  • ACTIVE: Borrower & Guarantor must be homeowners
  • Representative
    29.9% APR
  • Borrow
    £5,000 to £20,000
  • Term
    36 to 84 Months
  • Guarantor Type
    Homeowner only
Amigo Logo

Amigo

  • RESTRICTED LENDING (COVID-19)
  • Representative
    49.9% APR (variable)
  • Borrow
    £500 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
1 + 1 Logo

1 Plus 1

  • RESTRICTED LENDING (COVID-19)
  • Representative
    47.8% APR
  • Borrow
    £1,000 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
George Banco Logo

George Banco

  • VERY RESTRICTED LENDING (COVID-19)
  • Representative
    49.7% APR
  • Borrow
    £1,000 to £15,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
Bamboo Logo

Bamboo

  • PERSONAL LOANS ONLY (Guarantor suspended due to COVID-19)
  • Representative
    69.9% APR
  • Borrow
    £1,000 to £8,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant