Guaranteed Loans for Bad Credit
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Are there guaranteed loans?
👍 Yes, there are bad credit loans with more relaxed credit checks which can offer better acceptance levels.(compared to high street lenders)
👎 No, there are no guaranteed acceptance loans.
What about loans that are guaranteed by someone?
- A friend or family member (typically) becomes a guarantor, to guarantee the lender repayment of the loan.
- Typically, the most affordable type of poor credit loan (around 49.9% APR).
- Other loans such as payday, instalment, or doorstep can be expensive (up to 1,575% APR).
- The guarantor will need a good credit rating and regular income.

Representative 49.9% APR
Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.
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