Borrower Criteria

Is a guarantor required?

If you are applying for a guarantor loan, then yes. Read More

Can I Get a Loan with Bad Credit?

Typically, yes. We've over 25 UK lenders who specialise in helping people with a poor credit rating. Read More

Is home ownership required?

Most of our lenders accept non-homeowners and tenants as both applicants and guarantors. Read More

Do I need an income?

Yes, all borrowers will need to show that they have a steady income. Read More

Do I need a debit card?

Most lenders required both borrowers and guarantors to have valid UK debit cards. Read More

Do I need a mobile number & email address?

Most of our lender’s application processes are now are online so you will need to have a valid mobile number and email address. Read More

Does the lender check affordability and how is it assessed?

Our lenders follow the same process as other forms of loans, so affordability checks are in place. Read More

Are there age restrictions?

Typically, you and your guarantor will need to be between 18 – 75 years. This is at the time of the application, some slightly younger, and some slightly older. Read More

Can I find a guarantor for a loan online?

Not a good idea. At the time of writing, all lenders also ask the relationship between the guarantor and borrower. Read More

Do I need to be a UK resident?

All our lenders require you and your guarantor to be UK residents at the time of application. Read More

Do I need a bank account?

Yes. At the time of writing all lenders require you and your guarantor to have a valid UK bank account. Read More.

What if I am insolvent?

Our lenders do not allow insolvent applicants, Read More

Do your lenders accept people discharged from bankruptcy?

If you have been discharged and your bankruptcy is showing as discharged on your credit file our lenders will consider your application. Read More

Do I have to be employed?

Not necessarily, not all lenders require borrowers to be employed. Read More

What Is Loan Eligibility Criteria?

It is useful to know the typical criteria that are required by all lenders. If you do not meet some of these, it will become clear that you will not qualify, thereby saving yourself a great deal of time. Read More
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