1 Plus 1 Loans
Guarantor Loans from £500 to £10,000

1 + 1 Loans were founded in 2013 at a time

when they could see that borrowing money at an affordable price was becoming a difficult prospect for those who needed it most.

They base eligibility on creditworthiness, affordability and friends and family rather than credit ratings.

They aim to make the application process as pain-free as possible and have efficient payout times, with most customers having the money appear in their account the same day they apply.

Loans from
£500 to £10,000
Repayment duration
12 to 60 months
47.8% representative
See representative example
Lending rating
69.2 out of 100
Time to Apply
2m 48s - Average

Loan Highlights

Borrowers do not need to have a good credit history

Guarantors do not have to be homeowners

Loans of up to £10,000 are available

Loan can be repaid in full at any time

More features

Minimum Criteria

Must be aged 18 or over

Cannot have a history of bankruptcy or any active IVAs, CCJs etc

Guarantor must be aged between 18 and 75

Guarantor must be able to demonstrate a good credit history


Maximum APR 47.8%

Arrangement fee: £0

Early repayment fee: £0

Late payment fee: £15

Top 3 loans by score, reviews and cost

Compilation of 1 + 1's online reviews

4.9 out of 5 from 421 online reviews

1 + 1 Loans has over 400 reviews online, on feefo

  • 421 reviews
  • Excellent - 89%
  • Great - 9%
  • Average - 2%
  • Poor - 0%
  • Bad - 0%

We have compiled below a selection of these reviews, both good and bad.

My verdict of 1 + 1 Loans

By Jon Edward

Lender performance rating 62.9 out of 100

A well-established lender in the UK market, 1 + 1 have been active since 2013 and have an excellent reputation for high-quality service and fast payout times.

Their APRs are competitive when compared to other lenders and the majority of customers have given then positive reviews.

Whilst borrowers themselves do not need to demonstrate a good credit history, as with many other lenders any prospective guarantor must have a good credit history if they are going to be eligible for a loan with 1 + 1.

Loan Description

1Plus1 offer loans from £500 (lower than the majority of the other lenders) up to £10,000, a summary of the main features is as follows:

We always recommend comparing loans and researching other lenders before applying

Representative Example

The following is representative example of a 1 + 1 Loan

Representative 47.8% APR

Representative Example: You borrow £5000. Monthly payment: £190.63 Interest and fees: £6437.80. Total to repay: £11437.80 47.8% APR (fixed)*

*Interest rate will vary depending on the duration of the loan. 47.8% APR is based on a 3 year loan term.