Guarantor Loans Comparison

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Guarantor Loans
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For help see 5 Top Tips on Comparing Loans

8 results

Lender	Type	Score	Per Month	Total repayable	Apply Time	APR
Amigo Loans	Guarantor loan	Optio score	£146.39 per month	£5,270.04 Total repayable	Time to Apply fast	49.9% Representative	Find out more Amigo Loans Top choice for... No fees of any kind You don't need to have a good credit history You don't need to have direct debit facilities Your guarantor does not need to own their home You don't have to have been a resident of the UK for a specified length of time Watch out for... You will need a guarantor If you have a poor credit history, it's likely your guarantor will need to be a homeowner Your guarantor will need to make your repayments if you can't afford to Apply Representative Example
George Banco	Guarantor loan	Optio score	£146.14 per month	£5,261.04 Total repayable	Time to Apply ok2	49.7% Representative	Find out more George Banco Top choice for... Fast track same day payout Customer and regulation focused Positive reviews online Available to customers with bad credit Watch out for... Your guarantor will need to be over 25 years old Your guarantor must have good credit history Both must not be under an IVA or bankruptcy Your guarantor must have a minimum income of £1,000pm after tax Both must have a valid UK bank account and debit card Apply Representative Example
Bamboo Loans	Guarantor loan	Optio score	£146.14 per month	£5,261.04 Total repayable	Time to Apply ok3	49.7% Representative	Find out more Bamboo Loans Top choice for... You don’t need perfect credit history Easy payment management with online portal Your guarantor can be your partner Your guarantor does not need to be a homeowner Watch out for... You and your guarantor must be over 21 Your guarantor will need a good credit rating Your guarantor must not be a customer of Bamboo Your guarantor will need a UK bank account Your sole income cannot be from Job Seekers Allowance Apply Representative Example
TrustTwo	Guarantor loan	Optio score	£145.90 per month	£5,252.40 Total repayable	Time to Apply fast	49.5% Representative	Find out more TrustTwo Top choice for... You don’t need to have good credit history Your guarantor can be a tenant or homeowner You can choose weekly or monthly repayments They don’t charge any upfront fees You guarantor can be living with their parents Watch out for... You will need to be aged over 18 years You must be a UK resident No bankruptcy, IVAs or debt management plans Your guarantor must be aged between 25 and 74 Your guarantor can be someone close to you but not a spouse Apply Representative Example
UK Credit	Guarantor loan	Optio score	£134.10 per month	£4,827.60 Total repayable	Time to Apply ok1	39.9% Representative	Find out more UK Credit Top choice for... UKCredit accept tenant guarantors You can get a quote on their website without it affecting your credit history Once your loan has been paid out, you can manage your account online. Watch out for... If your guarantor is a tenant, the max you can apply for is £6000 Applications back by tenant guarantor are more expensive You must have an email address so they can send the loan documents to you Apply Representative Example
UK Credit	Guarantor loan	Optio score	£158.42 per month	£5,703.12 Total repayable	Time to Apply ok1	59.9% Representative	Find out more UK Credit Top choice for... They accept tenants as guarantors Your guarantor can be anyone, including your spouse Online quote doesn’t leave a credit footprint Online management tool Funds available fairly quickly after approval Watch out for... No bankruptcy, debt management plan or IVA Your guarantor must have good credit history Your guarantor must be aged between 21 and 70 Your guarantor must be either employed, self-employed or retired For loans over £6,000 your guarantor must be a homeowner Apply Representative Example
1 Plus 1 Loans	Guarantor loan	Optio score	£143.83 per month	£5,177.88 Total repayable	Time to Apply ok3	47.8% Representative	Find out more 1 Plus 1 Loans Top choice for... You don't need to have a good credit history Existing customers can borrow up to £10,000 Quick application, money usually transferred within 24 hours Competitive APR Your guarantor can be a homeowner or a tenant Watch out for... You must have a guarantor who is: Between 18 and 75 years old when the loan completes Able to make the repayments if you cant afford to Has a good credit history Apply Representative Example
Guarantor My Loan (For tenants)	Guarantor loan	Optio score	£145.17 per month	£5,226.12 Total repayable	Time to Apply ok3	48.9% Representative	Find out more Guarantor My Loan Top choice for... Peer-to-peer guarantor lending Repay the loan early with no charges One month’s cashback at the end of the loan Watch out for... Your guarantor must be over 21 Your guarantor will need to have good credit history You must be a UK resident You need to be over the age of 18 You can't have any active CCJs, IVAs or a history of bankruptcy Apply Representative Example

Lender Information

For detailed information on all our individual lenders please see our lender pages.

Lender Pages

6 top tips on comparing loans

1. Determine what you can afford per month

Before you start looking for a loan it is worth working out what you can afford per month to pay out for a loan.

For if you can only realistically afford £50 per month, then a £12,000 is never going to be a viable option.

Step 1 is approximating your monthly repayments by using our loan calculator.

2. Find out if your guarantor is a homeowner

Before you spend time comparing the loans it is worth finding out if your guarantor is a homeowner of not.

The lowest rate loans are for guarantors who own their own homes, so knowing this beforehand will make a different when comparing the different options.

3. Sort by APR

We would usually suggest you try and find the loan that has the lowest rate of interest, and this can be found by sorting the table by APR.

Typically, the lower the APR, the less you will pay out over the course of the loan.

4. Read up on the lenders

After sorting by APR, you will see the top lenders.

We would suggest you read our pages on those particular lenders, so you can get a better understanding of each one that you are interested in.

5. Request quotes from three lenders

To find out exactly the current rates of interest, fees and costs of each lender, you will be required to request a quote from that lender.

By requesting up to three quotes, you will be able to easily compare real costs, but not have too many to look at, which could be daunting.

Please note that this request this does not:

Cost you any money – we are a free service
Obligate you to anything
Effect your credit file – its only after you make a loan application that your file will be checked

6. More information on other websites

Deciding on the best type of credit for you - The Money Advice Service
The 4.2million Brits barred by banks from loans and mortgages - The Mirror. 2016-08-10

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