Online Guarantor Loans from £500 to £15,000

Get quotes in 3 minutes for the loans you've been accepted for

  • Fast Online Loans
  • Quotes in 3-Mins
  • Bad Credit OK
  • Great Rates from 29%
  • Same Pay Payouts
  • High Acceptance Rate
Family Pointing

Representative Example - if you borrow £1,000 over 12 months, repaying £103.06 per month, total repayable is £1,236.72 with an interest rate of 49.9% (variable).

  • one simple form
  • up to 27 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • secure

Why use our 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 up to 27 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)

Frequently asked questions

1

What is a guarantor personal loan?

  • 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 sign the agreement, and if the borrower defaults, the guarantor has to make the monthly repayments.
2

Who are the loans for?

  • People with a poor credit score who are looking for affordable finance.
  • People with no credit history who are looking to build their score.
3

How to find a 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 estimated loan pay-out times

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

5

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.
6

What can I use the money for?

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

  • Home improvements or holidays, or to cover emergencies.
  • Their main concern is that you can afford their monthly repayments.
7

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’.
8

What charges are there?

  • We are a free service - here is no charge for using GuarantorloansUK.net (see How We Earn Revenue)
  • For details of all fees and interest charges for the loans you qualify for click get quotes.
9

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.
10

Is getting a loan guaranteed?

  • A successful application cannot be guaranteed.
  • Every lender has their own criteria, and whether they decide to lend to you will depend on the status of you and your guarantor.
  • For more information see our FAQ page.
11

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.
12

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.
13

Are you like a payday loan?

NO, see the differences:

  • Payday: small loans typically up to £2,000 maximum, we do loans up to £10,000.
  • Have very high-interest rates up to 1,500% Representative APR, our interest rates are typically 39.9% to 59.9%.
  • Are intended for short periods of up to 4 weeks, ours are typically from 6 months to 5 years.
  • For more information o the differences see our article "A more affordable payday alternative".
14

More Questions?

Who can get a loan?

How to get quotes and a loan?

1

Quick and easy online application

Only 3 minutes

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

2

You eligibility checked with up to 27 lenders

Less than 1 minute

Effortlessly find the loans you qualify for in less than one minute - our amazing system will check all up to 27 lenders for you.

3

Loan quotes from lenders who’ve accepted you

Instant and online

Immediately see online the loans you qualify 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

Amigo Logo

Amigo

  • Representative
    49.9% APR (variable)
  • Borrow
    £500 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
Bamboo Logo

Bamboo

  • Guarantor and No-Guarantor Personal Loans
  • Representative
    49.7% APR
  • Borrow
    £1,000 to £8,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
Buddy Logo

Buddy

  • Representative
    49.9% APR
  • Borrow
    £1,000 to £7,500
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
George Banco Logo

George Banco

  • Guarantor and No-Guarantor Personal Loans
  • Representative
    49.7% APR
  • Borrow
    £1,000 to £15,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant
Guarantormyloan Logo

Guarantor My Loan

  • For tenant borrowers
  • Representative
    48.9% APR
  • Borrow
    £1,000 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner
Guarantormyloan Logo
Lowest APR

Guarantor My Loan

  • For homeowner borrowers with reasonable credit
  • Representative
    29% APR
  • Borrow
    £1,000 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner
TrustTwo logo

Trust Two

  • Guarantor can be a tenant or living with parents
  • Representative
    49.5% APR
  • Borrow
    £500 to £10,000
  • Term
    13 to 60 Months
  • Guarantor Type
    Homeowner only
UK Credit Logo
Low APR

UK Credit

  • Guarantor must be a homeowner
  • Representative
    39.9% APR
  • Borrow
    £1,000 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner only
1 + 1 Logo

1 Plus 1

  • Representative
    47.8% APR
  • Borrow
    £500 to £10,000
  • Term
    12 to 60 Months
  • Guarantor Type
    Homeowner or Tenant