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Updated by Jon Edward at Jul 22, 2019

Masa offers guarantor loans via Buddy Loans.

Guarantor loans have re-emerged in recent years and are regarded as a safe, cheaper way to borrow money for people with 'not so good' credit. Buddy is an excellent Lender and is one of the leading guarantor loan brands in the UK market today.

Buddy have an honest and fair approach to lending, providing customers with a lender option that will always look for the best solution for their needs. Buddy provide flexible and effective solutions to customers with particular requirements. Buddy has a strong ethos when it comes to lending and you can be sure that they take great pride in acting as a responsible lender working as they do with MASA a responsible broker

Loans from

£1,000 to £7,500

Repayment duration

12 to 60 months

APR

49.9% representative

Lending performance rating

67.8 out of 100

Time to Apply

1m 45s - Average

Customer Reviews

4.7 out of 5 by over 1880 customers on Trust Pilot (based upon Buddy Loans).

Read Reviews

Loan Highlights

Same day payout

No upfront fees

All circumstances considered

More features

Minimum Criteria

Your guarantor must be aged between 18-75

Your guarantor must have a good credit score

Your guarantor must have a minimum income of £1,000 pm

Your guarantor must have a UK bank account

Fees

Maximum APR 49.9%

Arrangement fee: £0

Early repayment fee: £0

Late payment fee: £12

Top 3 loans by score, reviews and cost

Score

Amigo Loans	82.9 / 100
George Banco	72.5 / 100
Bamboo	71.3 / 100

Reviews

Amigo Loans	4.7 out of 5 from 20,198 customer reviews
Bamboo	4.9 out of 5 from 4,934 customer reviews
George Banco	4.9 out of 5 from 2,811 customer reviews

Cost

UK Credit	39.9%
1+1 Loans	47.8%
Guarantor My Loan	48.9%

Get Quotes for all Loans See all the lenders that will accept you

Compilation of Masa Loans online reviews

4.7 out of 5 from 1880 online reviews

Masa (through Buddy Loans) has over 1880 reviews online, on Trustpilot

1880 reviews
Excellent - 85%
Great - 12%
Average - 1%
Poor - 1%
Bad - 1%

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

Perfect comunication and fast desicion
August 18, 2018

Via Trustpilot

Recommend to everyone wery good comunication ..Explain my all paperwork corectlly...
Marie
Awfull service very disappointed would not recommend
August 17, 2018

Via Trustpilot

Awfull service very disappointed would not recommend
Jessica Rotheram
Polite friendly and quick payout
August 17, 2018

Via Trustpilot

Polite friendly and quick payout..would highly recommended
Jennifer
Brilliant
August 17, 2018

Via Trustpilot

Made everything easy and simple and helped me even though my credit isn’t great. Very grateful!
Ryan
Quick,easy,honest.
August 17, 2018

Via Trustpilot

Quick,easy,honest.
Michael
very simple process..from on line
August 16, 2018

Via Trustpilot

very simple process..from on line application. to speaking to staff. treated with professionalism throughout. thouroughly pleased and happy that it was painless. highly recommended.
Julie L
Excellent customer service staff
August 15, 2018

Via Trustpilot

Excellent customer service staff, only negative was difficult to send information to customer services via website. Overall process very straight forward and response time quite quick.
Susan
great team of people
August 15, 2018

Via Trustpilot

great team of people, that helped loads
Adam
Fantastic service start to end
August 14, 2018

Via Trustpilot

Fantastic service start to end - would definitely recommend Buddy Loans. Kept in the loop at all times, and every member of staff worked hard to complete the loan as quickly as possible. Well done!
Walter
I felt the company was really helpful
August 14, 2018

Via Trustpilot

I felt the company was really helpful, very thorough and extremely friendly. I would definitely recommend them and they have helped my son immensely.
Nicola Best
Fantastic customer service
August 13, 2018

Via Trustpilot

Fantastic service very reliable checks were streight forward fast payout Deffo use again xx thank you xx
Hannah
I found the adviser’s very pleasant and
August 12, 2018

Via Trustpilot

I found the adviser's very pleasant and helpful. I thought it would be stressful but not at all it did not take long at all from start to finish.
Filomena
all members of staff were very polite
August 11, 2018

Via Trustpilot

all members of staff were very polite and helpful especially chris who my mum has took a shining to thank you all for your help
Victoria
Kept us updated during every step
August 11, 2018

Via Trustpilot

Kept us updated during every step
Carole
Fantastic from start to finish
August 11, 2018

Via Trustpilot

Fantastic from start to finish, lovely, friendly people, will definitely use them again, thank you Buddy Loans, X
Alan
Lovely friendly and helpful staff x
August 10, 2018

Via Trustpilot

Lovely friendly and helpful staff x
Susan

Excellent professional service
August 9, 2018

Via Trustpilot

Excellent professional service, prompt, efficient, decision in minutes. I totally recommend Buddy loans 10/10.
Francis Chike Tabansi
Very quick and efficient great company and friendly staff
August 8, 2018

Via Trustpilot

So pleased with buddy loans. Very quick and efficient great company and friendly staff. They approved my loan within two days and the funds paid into my guarantors account. Will be recommending to friends and family . Kellie.
Kellie
Really fast from start to finish
August 7, 2018

Via Trustpilot

Really fast from start to finish. All based on affordability. Would definitely recommend to others. Fast pay out within 24 hours of application.
cj
Brilliant service
August 7, 2018

Via Trustpilot

Brilliant service, very friendly and professional, they ensure affordability, work to suit your personal circumstances, guarantor doesn't need to be a tenant or homeowner to be your buddy..Highly recommend..
Natasha
Great help!
August 6, 2018

Via Trustpilot

Very polite and helpful staff, processes are all completed quickly and efficiently, payout within a couple of days of applying. Happy customer!
Bianca
Excellent services
August 3, 2018

Via Trustpilot

Excellent services. When you cannot speak to a member of staff and they promise a call back you get your call back on time. The staffs are willing to help in whatever way they can. Thank you for a great service.
Christianne
Excellent company
August 2, 2018

Via Trustpilot
Excellent company, you do pay alot in interest but if you need a loan and have been turned down everywhere else then this company is brilliant, the money was in my guarantors bank within 15mins. The customer service is excellent very friendly a... Melissa
Awesome service
July 31, 2018

Via Trustpilot

Awesome service! Would recommend, did take a few days longer then i thought though which is why its 4 star out of 5. Customer service was great though! :)
Joshua
Staff are very friendly and helpful
July 30, 2018

Via Trustpilot

Staff are very friendly and helpful loan was paid quite quickly
Stacey

My verdict of Masa Loans

By Jon Edward

Lender performance rating 62.8 out of 100

Masa offers guarantor loans via BUDDY Loans who are a relatively new guarantor lender and are based in Cheshire. With a representative APR of 49.9% which is the same as Amigo Loans they are not targeting customers with their price.

Buddy offer many of the features that are now standard in the guarantor loans industry, such as ‘no fees for fast pay-out or early redemption’. For more information see our loan description below.

With over 1,000 online reviews, the majority very positive, Buddy is certainly a lender with many happy customers, and one to be trusted.

Get Quotes for all Loans See all the lenders that will accept you

Loan Description

Masa offer loans between £1000 to £7,500, her we outline some of the main features

Pro's

Quick approvals with money paid out in as fast as 24 hours
Online customer accounts, so you can make payments etc.
No fees for fast pay-out or early redemption
Good number of positive online reviews
Interest is charged on a daily basis, so if you do pay off early you only pay for the money outstanding
Non homeowner guarantors acceptable
Your credit file can be poor

Con's

You need a guarantor with a clean credit history
The APRs are at the upper end of the guarantor market place
An administration fee is charged which is added to your loan
A guarantor is required, and if you stop making the payment, they will need to step in

The basics

Both your guarantor and you need to be residents of the UK
You also both need a valid UK bank account
You and your guarantor need to comfortably be able to make the monthly repayments.
Your guarantor needs to be between 18 and 75 at the time you take out the loan
Your guarantor needs a minimum monthly income of £1,000.
You need to be solvent, and not in an IVA or Bankrupt
You have a 14 day cooling off period, so if you of your guarantor changes your mind you can return the loan.

As with all loans we recommend your compare those available as well as the lenders before making an application

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Representative Example

The following is representative example of a MASA Loan

As a representative example: If you borrow £4250 over a period of 36 months, repaying at a rate of £207.35 each month (first and final payments may be different), the total repayment amount, which includes any administrative fees and interest, will be £7414.24. Representative APR of 49.9%.

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