Car Loans with a Guarantor

Get quotes in 3-minutes for 'bad credit car loans'

Need car finance but have a bad credit rating?

It’s hard to get affordable car finance with poor credit, but a guarantor loan could be a great option 🚗

  • £1,000 - £15,000 loans
  • Missed payments & CCJ’s OK
  • Same day pay-outs
  • Quotes in 3-minutes (no credit score impact)
  • Buy any car, new or used
  • Any dealer or private sale
  • Use the car how you wish

What's a guarantor car loan?

  • A loan that's not secured on your car
  • Needs a guarantor - someone with a clean credit history & income to guarantee your application - typically a family member or friend

Questions? See below

Thumbs Up Kids with Cardboard Car Representative Example: If you borrow £4,000 over 36 months at a Representative Rate of 49.5% APR and an annual interest rate of 49.50% (variable), you would pay 36 monthly instalments of £194.52. The total charge for credit will be £3,002.72 and the total amount payable £7,002.72.
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Popular Questions


Can I get a car loan with a bad credit rating?

Very possibly, our loans are for people with a damaged credit file 👍

  • The guarantor loan was designed to bring affordable loans to people with defaults, and CCJs.
  • They typically have lower interest rates than other car loan options for bad credit, such as logbook loans, typical representative APRs:
    • Guarantor - 39% to 54.9%
    • Logbook -  89% to 148%

Why get a guarantor loan to buy a car?

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 via us, you can use the car exactly how you wish – no restrictions."



How much can I borrow?

We've loans from £1,000 to £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)


Does all the money have to be used on the car?

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.

* Except for gambling, and illegal/immoral activities.


Can the loan be used for car repairs?

Yes, you can use the money for repairs 🔨

  • 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.

More Questions


Seen a car? How quickly can you get the funds?

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

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

How do you compare to a logbook loan?

Compared to a logbook loan, guarantor loans

👍 Have typically lower interest rates

  • 39% to 54.9% compared to 89% to 148%

👍 Are not tied to the car

  • With logbook loans, you're handing over the ownership of your car to the lender until the loan is repaid.

What are the finance costs?

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.

Loan costs are typical cheaper with a better credit score, see how to improve your credit rating.


How long are the loans for?

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.

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 car 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 pre-approved you

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Immediately see online the loans you've bee pre-approved for, all done automatically without having to speak to anyone!


Choose lowest rate loan and finish application

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Simply choose the best loan for you and finish off the quick online application with your chosen lender.