Great range of guarantor loans from
£500 up to £15,000

Poor credit rating but need a loan? We can help.
All the UK’s best guarantor Loans in one place.
With the backing of a family member or friend
you could get the loan you need.

All the UK’s best guarantor loans
in one place

Why shop around lots of websites filling in different application forms when we have done all the hard work for you? Compare our different loans.

CCJs and defaults considered

Our lenders loans are trust based lending. With the view that if your friend or family member is willing to back you, that even if you do have a bad credit history then they will trust you too.

No fee no obligation

There is no fee for using our service and the loan cost is the same as if you went direct to the lender. Even after applying to a lender there is no obligation to take out a loan until you have signed and returned your loan agreement.

Representative APR 39.9%

Representative Example - Borrow £3,000 over 3 years, monthly repayments are £134.10, interest and fees are £1,827.60, total to repay is £4,827.60.

Large choice of loans

offering a wide range of loans to give you choice and options

There are many types of guarantor loan, so finding the right one for your own personal circumstances can be time consuming and challenging. We have brought together a great selection of lenders offering a wide range of loans to help you to quickly find the best solution.

Easily compare

we make it easy to compare all the different loans

We have created our lender compare table which will help you to select the best loans based on loan amount, length, interest rate, user reviews and much more.

Quickly apply

To apply either choose our compare table or let us do the work with ‘best for you’
  1. Compare – review the different loans and sort by APR, monthly cost and more, you can simply apply to any lender from this table.

  2. Best for you – fill out our 3-minute form and let us do the hard work; we will automatically filter out lenders whose loans do not meet your criteria and give you the top lender with the best Optio Score


How it works

With our lenders’ loans you need a guarantor, a friend or family member who trusts you and will back your loan application.

This is commonly called “trust based lending”; with the view that if your guarantor trusts you enough to support your application then the lenders will too.

This gives you access to much cheaper options with 39.9% - 54.9% representative APR loans* compared to 272% - 1,575% for doorstep, instalment and payday loans.

You also have access to much larger loans up to £15,000, which is significantly more than the maximum £3,000 you typically could have access to.

So if you are looking for a fast, flexible and affordable loan either

  1. Compare loans on our compare table

  2. Let us to the hard work and select the best loan for you based on the criteria you enter

* 39.9% - 54.9% Representative APR loans are from £500 to £15,000. £100 to £500 loans have a Representative APR of 302%.

Guarantor Information

Your guarantor is someone who backs your loan application to help you get a loan.

Most lenders have fairly tight criteria regarding who is suitable, but our range of lenders mean that more guarantors will now be suitable, including:

  • homeowners
  • non-homeowners and tenants
  • your husband or wife
  • those with a clean credit file
  • Those even with a marginally imperfect credit file

For more information, see our page Being a Guarantor.

Frequently asked questions

1How do I find a guarantor?

Finding someone to be you loan backer and support your application is a key part of the process; the best place to start is with close family and friends, someone who knows and trusts you.

As this is such an important part of the process please see our page Being a Guarantor for further information.

2Do I, or my guarantor, need to be a homeowner?

Neither you or your backer need to own your own home, though the lowest rates are only available to those whose guarantors do.

For further information on the implications of either being a homeowner or tenant, please see our dedicated page on Non Homeowner Guarantor Loans.

Please note that this DOES NOT mean that the loan will be secured against you guarantor’s home, all our lenders loans are unsecured.

3How can I find the cheapest loan?

Our lenders offer some of the lowest interest rates available for bad credit loans from £500 to £15,000; though APR’s still do vary between 39.9% - 54.9%.

The best way for you to find the cheapest loan is to look at our compare loans table, this will give you the rates of different loans and lenders.

For further reading on getting the very best loan deal, see our page Low APR Loans.

4How can I find the best loan for me?

The quickest way for you to find the best loan for your own personal circumstances is to use our Best for You Loan Selector. Simply fill in your criteria and using our clever technology we will find the best loan for you.

Or go to our compare loans table, and sort the different loans according to size, length, customer rating etc.

5If I apply am I guaranteed to be successful?

Unfortunately, a success loan application cannot be guaranteed.

Every lender has its own criteria, and whether they decide to lend to you will wholly depend on the status of you, and your guarantor and the lenders specific criteria at the time you apply.

For more information, see our page Guaranteed loans?

6Are you similar to a payday loan?

Not really, payday loans are small loans typically up to £2,000 maximum, have very high interest rates up to 1,500% Representative APR, and are intended for short loan period of up to 4 weeks.

Whereas Guarantor Loans are typically from 6 months to 5 years with much lower Representative APR’s.

To see the differences between payday and guarantor loans see our article "A more affordable payday loan alternative".

7Are you an alternative to bankruptcy?

If you are thinking about Bankruptcy, then you need to make sure you get some good information and advice.

Our Alternative to Bankruptcy page lists some high quality information and advice resources.

We also explain the limited circumstances where a guarantor loan could be an alternative to bankruptcy.

8I still need more information?

To get further details about the criteria you and your guarantor need to meet, and lots more, please see our guarantor loan page.

9Related information on other websites

For further reading please see the following related articles:

Loan Calculator

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Approximate figures

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If you prefer we did the hard work visit Let us find a loan for you.

This tool is for GUIDANCE ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan, see Responsible Lending.

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