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 guarantor lenders that pay out the same day 🗓️
  • Questions? See our FAQ's
Lender Same day payout What our lenders say
Buddy Loans Company Logo Buddy Yes

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

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

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

Amigo Loans Company Logo Amigo No

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

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

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

Bamboo Loans Logo Bamboo No

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


Not seeing all the table? Turn your phone sideways.

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Frequently Asked Questions


How quickly can I get a loan?

With many of our lenders, it is possible to get the loan paid out within 24 hours 

This does depend on how quickly you and your guarantor take to

  • Fully complete your applications with your chosen lender
  • Take to supply all the required information

How long does the application take?

Our application form is quick only taking 2-minutes ⏱

  • A few more minutes is then needed to complete final details with your chosen lender, this is also quick.
  • Remember that your guarantor also needs to fill out an application form, it is often this that can slow the process.

Is a ‘no guarantor’ loan faster?

Typically, ‘unsecured loans’ are faster as a guarantor's 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 within a few hours ⏲

  • 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, it is 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 lender's 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 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


Do you really need the money?

Rushing to find a loan 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 to?
  • 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 month's time, would this actually really matter?

How quickly do you need the money?

If you have satisfied yourself that a loan is the only option, think about how quickly you need the money.

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 Budgeting Tool 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 loan quotes

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

4 Steps to a Loan


Quick and easy online application

Only 2-minutes

One quick and simple online application form to get multiple quotes, all without having to speak to anyone.


Your eligibility is checked with over 35-lenders

Less than 1-minute

Effortlessly find the loans you are pre-approved for in less than one minute - our amazing system will check with over 35-lenders all for you.


Loan quotes from lenders who’ve pre-approved you

Instant and online

Immediately see online the loans you've bee pre-approved for, all done automatically without having to speak to anyone!


Choose lowest rate loan and finish application

Quick, easy, and online

Simply choose the best loan for you and finish off the quick online application with your chosen lender.