Online Guarantor Loans from £1,000 to £15,000
Quotes in 2-minutes for the loans you've been pre-approved for
Safe & secure
- Fast Online Loans
- Quotes in 2-Mins
- Poor Credit OK
- Great Rates from 29.9%
- Same Day Payouts
- High Acceptance Rate
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
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!
Easy access to all the best deals. One simple form to over 35 lenders.
(no mark on your credit file)
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)
- Lower cost – typically the cheapest with 29% - 49.9% representative APR rates* versus 272% - 1,575% for doorstep, instalment and payday.
- Larger amounts - up to £20,000*
- Quick - some pay-out the same day
- Guarantor - a friend or family member is required to be your guarantor to back your application.
- Trust-based lending - if your guarantor trusts you enough to support your application, lenders typically will too.
* Rates and amounts available vary from lender to lender; the rate and amount you are offered will depend on your personal circumstances.
What is a guarantor? Someone who backs your application and guarantees your loan.
Your guarantor has a better chance of being accepted via us as we have all the UK’s top guarantor lenders on our panel.
Who can be a guarantor? A family member (including spouse), close friend, or colleague who:
- Age – from 18 to 80
- Residential status – is a tenant, living with parents or homeowner*
- Credit Rating – good to marginally imperfect
- Income – regular income required (pension acceptable)
- Affordability – needs to be able to make the loan repayment if you were unable too
For more information see > Being a Guarantor – what you need to know
* With a homeowner guarantor, you could get access to the better deals from 29.9% APR
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.
Who are the loans for?
- A poor credit score who are looking for affordable finance 💸
- No credit history who are looking to build their score.
How to find a guarantor?
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.
Am I guaranteed to get accepted?
A successful application cannot be guaranteed 🤞🏼
Though 9 out of 10 of our lender applicants get accepted.
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.
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.
Do I, or my guarantor need to be homeowners?
What fees and charges are there?
What is the cheapest option?
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.
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.
Can I change my mind after taking out the loan?
Under the Consumer Credit Act
- You have the right to cancel your loan agreement
- Without having to give a reason within 14 days.
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.
Are you like a payday loan?
Payday are small loans typically up to £2,000, we do loans up to £15,000.
- 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 see our articles "A more affordable payday alternative" and "Are there payday guarantor loans?"