Your Guide to Same Day Guarantor Loans

Your Guide

See below the loans available that pay out the same day that you apply

We list the estimated loan pay out timescales for our lenders below

Plus the realities of getting a quick loan

Lender

Same day

What our lenders say

Apply

Amigo

"We aim to pay out all loans within 24 hours of the guarantor being accepted"

Apply to Amigo

Bamboo

"With our guarantor loans, the money could be in your bank account today, if we get you approved before 3pm"

Apply to Bamboo

Buddy

"Our goal is to pay out loans on the same day of the application"

Apply to Buddy

George Banco

"Your loan paid out today. Accept our offer and your loan can be passed for immediate payment"

Apply to George

Guarantor My Loan

"Once we are happy that your application is complete we will be able to get the money for your loans to you on the same day"

Apply to GML

TFS Loans

"Quick approval. You could receive your loan within 24 hours"

Apply to TFS

UK Credit

"Our expert team will help to get your loan paid out as quickly as possible"

Apply to UK Credit

1 plus 1

"Quick approval. You could receive your loan within 24 hours"

Apply to 1 Plus 1

LendFair

"Fast pay-out, paid within 24 hours"

Apply to LendFair

MASA
(George Banco)

"Your loan paid out today. Accept our offer and your loan can be passed for immediate payment"

Apply to MASA

SUCO
(TFS Loans)

"Quick approval. You could receive your loan within 24 hours"

Apply to SUCO

UK Trust Loans

"If all details are in order we should be able to transfer funds within 2-3 days"

Apply to UK Trust

Trust Two Loans

"Once you and your Guarantor are approved, on average you'll have the money within 3 days"

Apply to Trust Two

Glo

Not currently lending

 

Quick Cash Club

Not currently lending

 

Loan Calculator

Use the loan calculator below to estimate monthly loan repayments.

Approximate figures

  • Monthly repayments from to . Total repayable from to . Representative APR's from to

Click to see all our lenders Representative APR's

If you prefer we did the hard work visit Let us find a loan for you.

This tool is for GUIDANCE ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan, see Responsible Lending.

Introduction

Sometimes emergencies happen and money is needed straight away.

Maybe your car has broken down and it needs fixing immediately, or maybe you are ill and you need to take some time off work which will lose you income, but still need to pay the bills at the end of the month.

• The good news is that there are loans that can be available within an hour of the application.

• The bad news is that you need to be very careful as some are expensive

How quickly is it possible to get money?

We have lenders who can pay out loans within one or two hours of submitting a complete application.

This will be subject to you meeting the lenders criteria and also providing a suitable guarantor.

Though before you decide if you need a fast loan you should consider the alternatives:

1. Do you really need the money?

Rushing to find a loan, or anything for that matter can lead to rash decision making.

Some of the fast loans available are very expensive, so it is always worth thinking before you take out this type of loan if there are other options Why not sit down, have a cup of tea and ask yourself:

“If I could not get a loan, what else could I do?”

Brainstorm some alternative ideas and write them down, most may not be of any use, but the process of writing these down may spark your imagination to come up with something. Some examples to think about:

  • Is there a friend or family member that could give you a loan?
  • Is there a way you could get credit with the person or company that you owe money too?
  • If say your car has broken, could you borrow a car from someone else, or use a bicycle for a short period?
  • If I missed that payment, and made it in say a months time, would this actually really matter?

2. How quickly do you need the money?

So you determine that a loan is essential, it’s also worth thinking how quickly you really do need the money. Again sit down and ask yourself:

“If I could not get a loan for four weeks, what else could I do?”

By thinking about alternatives, you could give yourself the space to really think about the options available, and ultimately make sure you get yourself the best deal.

3. Can you get a suitable guarantor quickly?

OK, so you need the money and you need it fast, but the key now is finding a suitable loan backer quickly.

If you want to get a loan today, you will need to submit a fully completed application with a guarantor that meets the lenders criteria.

4. What criteria do I, and my guarantor, need to meet?

OK, so you need the money and you need it fast, but the key now is finding a suitable loan backer quickly.

You and your guarantor will need to be:

  • Age 18 or older
  • Permanent UK resident
  • Not bankrupt or on an IVA
  • Have a UK bank account and debit card

One of the key areas that all lenders look at is affordability; can you and your guarantor can afford the monthly repayments. While the questions they ask you may vary, this typically will require you providing some, or all the details about your monthly income and expenditure.

5. Can you afford the monthly repayments?

Determining that you can afford the loan is something that you should always do before you apply.

The Citizens Advice Bureau provide an excellent Budget Sheet which provides a template for summarising your income and expenses, we would suggest that you spend a bit of time going through this before you apply.

To estimate what your monthly loan payments will be please see our loan calculator.

Once you have determined that you can afford the loan, please see our loan comparison table table, which will give you a better understanding of the different options available.

6. Get a loan quote

The next step is to get a loan quote from an actual lender where you will get exact details of the loan and the terms and conditions.

To do this simply go to Loan Apply and fill in your details, this will take about three minutes.

Please note that at this stage your details will be sent to the most suitable lender, and they will then contact you back with details of their loan that you qualify for. This will include all information about costs, rates, etc.

By applying for a loan from our site:

1.you are under no obligation to take out that loan
2. you have not incurred any charges
3. you will not be credit checked at this stage

For more information on guarantor loans have a look at:  Is a guarantor loan right for me? - Step Change Debt Charity

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