Same Day Guarantor Loans

Lenders who pay out on the same day of the application

  • Looking for a loan that will pay out in an instant?
  • See below our lenders that payout the same day 🗓️
  • Questions? See our FAQ's
LenderSame day payoutWhat our lenders say
Amigo Loans Company Logo Amigo No

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

Bamboo Loans Logo Bamboo No

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

Buddy Loans Company Logo Buddy Yes

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

Georg Banco Loans Company Logo George Banco Yes

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

Guarantor My Loan Company Logo Guarantor My Loan Yes

"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"

Trust Two Loans Company Logo Trust Two No

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

UK Credit Company Logo UK Credit

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

1 Plus 1 Company Logo 1 + 1 Yes

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


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Frequently asked questions


How quickly can I get a loan?

  • With most of our lenders its possible to get loan pay-out within 24 hours 👍
  • This does depend on how quickly you and your guarantor take to supply all the required information.

How long does the application take?

  • Our application process is quick only taking 3-minutes 💨
  • A few more minutes is then needed to complete final details with your chosen lender, this is also quick.

Is a ‘no guarantor’ loan faster?

  • Typically, ‘unsecured loans’ are faster as a guarantors details are not required 🧍
  • However, with a guarantor, you typically get a better deal so get loan quotes to see costs.

How long does it take to approve an application?

  • Once the lender receives all your information approval can be almost instant ✔️
  • See the table above for our lender’s timescales.

Am I guaranteed to get a loan the same day?

Unfortunately, not 👎

With many of our lenders its possible to get the loan the same day, but there are many factors which mean this cannot be guaranteed, including

  • The number of other applications the lender has received that day
  • The lenders bank processing the pay-out in time
  • and more...

However, the biggest thing that holds up pay-outs, is the time is takes the applicant and their guarantor to get to the lenders all the information they have asked for, including:

  • Their budget plan
  • Suitable identification
  • and more...

What can I do to speed up loan pay-out times?

To make sure your application goes through quickly ✔

  • Check out the typical criteria for you and your guarantor
  • Enter your details as accurately as possible
  • Find a suitable guarantor before you apply and make sure your they are fully on board
  • Provide all information the lender has asked from you and your guarantor in a good time

Pro-Tip – internet access and email addresses

  • If you and your guarantor have access to the internet and email addresses this will speed up the process

Your lender will do the rest and try to get the money that you need to you as quickly as possible.

Questions to ask yourself before rushing into a loan


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?

How quickly do you need the money?

So you determine that a loan is essential, it’s also worth thinking about 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 space to really think about the options available, and ultimately make sure you get yourself the best deal.


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 lender's criteria.


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.


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.


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.

> go to 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 the 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