Bad Credit Guarantor Loans

Need a loan but have a poor credit rating? We can help you find a loan ✓

What is a guarantor loan for bad credit?

A more affordable loan for people with a poor credit score, or no credit history.

Many types of bad credit loan are available, but they can be expensive, see some typical APRs:

Guarantor29% to54.9%
Doorstep 535%to757%

To qualify for a bad credit guarantor loan, you need the support of a family member or friend who can be your guarantor.

Questions? See below.

bad-credit-family 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).
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Frequently asked questions


Do you accept people with defaults and CCJs?

Yes 😃

Guarantor loans were designed to help people with missed payments and CCJs.

Just because of past financial issues, this does not mean you should pay over the odds for a loan today.

Our lenders look at your current situation, the credit you can afford and your guarantors’ status, not your credit history (see ‘Do you accept people who are bankrupt or in an IVA’ below).


How do I get a guarantor?

Typically, family members or friends make good guarantors 👨‍👩‍👧

  • Step 1: find out the requirements for 'being a guarantor'
  • Step 2: armed with that information, ask the people you know who meet the criteria.

How quickly can I get a loan?

Same day is possible 💨

Many of our lender's payout on the same day of the application, see here.

Guarantors need to get their information to the lender in good time, which many people find a struggle.

So, if you need money fast and cannot wait, many of our clients prefer no guarantor bad credit loans which can often be approved and completed quicker.


Do you accept people who are bankrupt or in an IVA?

Not currently 😔

None of our lenders currently accept applicants who are insolvent, whether that be bankrupt, in an IVA (Individual Voluntary Arrangement) or Trust Deed (Scotland).

For help see’s articles:



What are the advantages of a loan with a guarantor over the other types of bad credit loan?

Cost, amount and loan term.

Cost– guarantor loans are typically cheaper than other bad credit loans, with rates from 29% to 54.9% APR compared to 135% up to 1,575%.

For same amount and term due to lower interest rates, costs are typically cheaper.

Larger amountstypically available:

Doorstep £100to£1,000

Longer terms typically available:

Guarantor3 monthsto60 months
Payday1 monthsto2 months
Installment1 monthsto6 months
Doorstep 3 monthsto12 months

What can I spend the money on?

There are many reasons why people need money from our lenders 💸

  • Debt consolidation
  • Car finance
  • Home improvement
  • Emergency expenses
  • Travel
  • Plus, much more
  • Loan reason should not affect your application*

So how you spend the money is up to you, though please remember it does need to be paid back, so it's prudent to only take out the minimum you need.

* All the lenders on our panel operate responsible lending policies, so if they believe your reason for a loan is illegal or immoral, they will reserve the right to refuse your application.


Will applying affect my credit file?

No 👍 *

When you fill out our 3-minute application form for lender quotes, this does not affect your credit score in any way. All our lenders do a ‘soft search’ which does not affect your credit file.

When you’ve decided to apply for a loan, your selected lender will undertake a credit search on you (to make sure you’re not bankrupt, etc) and your guarantor.

* You need to be mindful not to apply to multiple lenders as this could affect your credit score.


Do I need to speak to anyone?

Typically not as everything is done online 💻 

For quotes, fill out our 3-minute online form, which returns in seconds the lenders who have accepted your application (in principle) – all online.

When you’ve selected your preferred loan, our lender's online systems allow you to complete your application.

In a few select cases, the lender may need to speak to you or your guarantor to clarify something regarding your application.

Typically, however, most applicants do not need to speak to anyone.


How much will a guarantor loan cost?

Cost depends on your circumstances.

For rough loan cost estimates see our loan calculator. Also, see our lender's cheapest loans on our Low APR Loans page.

For accurate lender quotes follow these 3-steps:

  1. Fill out our 3-minute form
  2. Automatically reviewed by up to 27 lenders (no effect on your credit history)
  3. In seconds you’ll receive actual loan quotes

Using our website is free to use as we are paid by the lenders, for more information see How we earn revenue.


Is it cheaper to go to the lenders direct?

No 🙂

If you go directly to the lenders you are charged the same rates as via our website.

You save time using 🕒

Your single form is automatically reviewed by up to 27 lenders and quotes are returned in seconds, saving you lots of time.


Does my guarantor need a good credit history?

Yes 📝

Currently, our lenders will only accept guarantors who have a good to marginally imperfect credit rating. It’s because they are looking for people who can make the payment if you are unable.

If you have someone willing to be your guarantor but think they may have a poor credit history, they should check their credit score via a multi-agency provider such as Check My File.

Not sure if they will qualify of not:

  • Fill out our 3-minute form
  • This will get automatically reviewed by up to 27 lenders (no effect on your credit history)
  • In seconds you’ll receive loan quotes
  • Contact the lenders to see if they will accept your guarantor

If I cannot get a guarantor are there other bad credit loan options?

Yes 🙂

Whilst we are called, we also have no guarantor loans, where a guarantor is not required.

Whilst slightly more expensive, they do provide an opportunity for credit. To find out what non-guarantor options there are for you:

  • Fill out our 3-minute form
  • This will get automatically reviewed by our non-guarantor lenders (no effect on your credit history)
  • In seconds you will receive actual loan quotes

Can a loan help me improve my credit score?


Typically, if you take out a loan and repay in full with zero defaults, this should help to improve your credit score.

For more information see the article: How to improve your credit score.


What criteria do I need to meet to qualify for a loan?

The following is the typical criteria that you’ll need to meet 👌

  • A guarantor
  • 18 to 70 years old at the time of the application
  • The monthly repayments need to be affordable for you
  • You cannot be insolvent (in an IVA/bankrupt)
  • UK resident
  • UK bank account with a debit card

 For further details see our FAQ What is the Guarantor Loan Eligibility Criteria?


What criteria does my guarantor to meet?

The following is the typical criteria that your guarantor will need to meet 👌

  • 18 to 75 years old
  • Clean to marginally imperfect credit history
  • A regular income and the loan must be affordable to them if you default
  • UK resident
  • UK bank account with a debit card

 For further details see our Guide to Being a Loan Guarantor.

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


Easy access to all the best deals. One simple form to up to 27 lenders.

(no mark on your credit file)

our clients


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


We are fully FCA regulated and Information Commission Office registered.

(we’re a Surrey-based firm)

How to get quotes and a loan?


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.


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.


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!


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.