Bamboo Loans
Guarantor + Unsecured Loans from £1,000 to £8,000

One of the UK’s premier guarantor lenders who also provide unsecured personal loans
Bamboo Loans are a relatively new guarantor loans lender, formed in 2014 and based in Southampton, they provide personal and guarantor loans, and in our tests, we have found them to be very professional. They are an excellent alternative to Amigo Loans.

When you first apply to Bamboo they provide you with a personalised quotation, only doing a soft search on your credit file and will give you full information about the loan they can offer you, and the costs.

Only after you make a full application do they credit check you. They are relatively flexible with their criteria and do not mind if you are on benefits, or have a bad credit file with a CCJ.

Bamboo is a professional set up and well worth your consideration.

Loans from
£1,000 to £8,000
Repayment duration
12 to 60 months
49.7% representative
See representative example
Lending rating
75.7 out of 100
Time to Apply
03 minutes 15 seconds

Loan Highlights

Your guarantor can be your spouse or partner

Your credit rating does not need to be perfect

Your guarantor does not need to own their own home

Payments are easy with their with online portal

More features

Minimum Criteria

You and your guarantor must be over 21

Your guarantor must not be a customer of Bamboo

Your sole income cannot be from Job Seekers Allowance

Your guarantor will also need a good credit rating

Your guarantor will need a UK bank account


Maximum APR 49.7%

Arrangement fee: £0

Early repayment fee: £0

Late payment fee: £12

Top 3 loans by score, reviews & cost

Compilation of Bamboo Loans online reviews

4.9 out of 5 from 4,934 reviews

Bamboo has a received good number of online customer reviews from the Trustpilot and Smart Money People websites. These are reviews from real people who have taken out both the guarantor, and personal loans. Most reviews however were on Trustpilot:

  • 4,599 reviews
  • Excellent - 91%
  • Great - 8%
  • Average - 1%
  • Poor - 0%
  • Bad - 1%

See below a compilation of all reviews, both good and bad.



My verdict of Bamboo Loans

By Jon Edward

Lender performance rating 75.7 out of 100


Bamboo Loans are a highly reputable loan provider with a slick application process and friendly customer service, so you are sure to have a good experience with Bamboo.

When you first apply they will see if you qualify for a personal loan, which means you may not even need to find a guarantor. However, you need a fairly clean credit file to qualify, so if not you will be tried for their guarantor product. This is an excellent option for those with only a marginally imperfect credit file.

With over 4,000 online reviews and 98% of these saying Bamboo are either “excellent” or “great”, you can be confident that Bamboo is a sound and reputable company to borrow from.

Loan Summary

Bamboo offer loans £1,000 to £8,000 over repayment periods of 12 to 60 months, we have summarised the main features of their loans below:

Bamboo provides a solid loan offering and we have found them to be responsive and professional; though we would always suggest looking at the other options on the market before making a final decision:

Representative Example

The following is representative example of a Bamboo Loan

On an assumed loan amount of £2,600.00 over 36 months. Rate of interest 41% per annum (fixed). Representative 49.7% APR. Total amount payable £4,557.89. 35 monthly repayments of £126.61 and a final payment of £126.54

Company Info