Car Loans with a Guarantor

Compared to hire purchase and car leasing, the loan is not linked to the car 👍

• Buy any car from anyone – with other finance options you can be restricted to certain car makes models, ages and dealers.

With a guarantor loan you can buy any car you like from anyone.

• Buy a cheaper car – with no restrictions on the car you buy and from who, this can mean finding better deals.

Cheaper second-hand cars are open to you that may not qualify for hire purchase or leasing.

• No restrictions on car use – other finance can have terms relating to returned condition, mileage, and how the car is used.

With a loan from us you can use the car exactly how you wish – no restrictions.

We've loans from £1,000 - £15,000

• For loans above £10,000 - you’ll need to have a ‘not so bad’ credit rating plus a homeowner guarantor.
• The amount you can borrow will depend you’re your own personal circumstances.
• Find out how much you can borrow, click Get A Quote (no impact on your credit score).

No, you can use the money as you wish 😊

• Affordability - the loan will need to be affordable to you and your guarantor.
• Only borrow what you need - we always suggest only borrowing the amount you need, as remember, the money will need to be paid back with interest.

Yes, you can use the money to repair 🔨

• Save money - repairing can be a better option as sometimes it can be cheaper than buying another car.
• Affordable - so long as you and your guarantor can show affordability, this could be another option.

On receiving a completed application many of our lenders pay out the same day 🗓️

• See our same day lenders
• Guarantor loans can take a little longer to get, as you also need to supply your guarantors’ details.
• No guarantor loans can be a bit quicker, but typically more expensive.

The cost depends on your personal circumstances 🤹

• Interest and fees depend on the lender that you select.
• This website is free for you to use.
• See our lowest APR options
• Getting quotes takes 3-minutes - see lenders that have accepted you (in principle) & Get A Quote

When getting quotes there is no impact on your credit score

3 to 60 months depending on the amount and lender 📅

• Typically, smaller amounts have shorter terms and larger amounts longer.
• This varies from lender to lender.
• A longer-term will typically have lower monthly repayments but cost more overall.
• Our loan calculator lets you play with loan amounts and terms, to see this.
• To get actual quotes click here.

See Frequently Asked Questions, plus our most popular questions:

How to find a guarantor for a loan?

What is a guarantor loan?

Who can be a guarantor for a loan?