Online Guarantor Loans £1,000 to £10,000
Quotes in 2-minutes for the loans you’ve been pre-approved for
Quotes in 2-minutes for the loans you’ve been pre-approved for
Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example*: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable).* Subject to affordability and your credit score (a guarantor may be required).
An unsecured personal loan for people with poor credit but supported by a guarantor (typically a family member or friend with a clean credit history & regular income), meaning the loan is often cheaper than other types of ‘bad credit loan’.
* Rates and amounts available vary from lender to lender; the rate and amount you are offered will depend on your personal circumstances.
Who can be a guarantor? The ideal person is a family member (including spouse), close friend, or colleague who:
For more information see: Being a Guarantor, what you need to know?
Easy access to all the best deals. One simple form to over 35 lenders.
(zero impact on your credit file)
This site is free for you to use – all loans cost the same as if you went to the lender directly.
(we’re paid by the lenders)
Our lenders can help most people who can show affordability for the money they are looking to borrow.
Not owning your own home is not a problem 😊
Our lenders welcome tenants and non-homeowners.
Don’t have 2-3 years accounts? Can’t find affordable credit 🤦
Do not worry, we can help.
We’ve fast, affordable borrowing options for self-employed.
On benefits with no employment income? Been turned down for credit 😤
On our panel we have lenders help people on benefits (so long as the repayments are affordable).
We have online options for you.
Not borrowed before & have zero credit history? Been refused lending 😣
Our lenders specialise in loans for people with little to no credit history.
Own your own home but have a poor credit score and need a loan?
As a homeowner, our panel of lenders will present many options for you 👍
So long as your reasons for borrowing are responsible, moral and legal, there are many possible uses for the funds.
Maybe it’s time to replace the kitchen, add a conservatory, or get a new carpet. With options up to £10,000, our lenders may provide options where others could not.
Whether you need to travel for business or personal reasons, our lenders could provide you with the money you need.
Raising business finance can be tough, especially if you’re new and have a poor credit rating. Our lenders may be able to get you the funds you need to start that business you have always dreamt of.
A guarantor loan is a great alternative to traditional borrowing for people who have been refused credit in the past.
By completing one simple form we can have multiple quotes back to you within moments.
If you have been turned down for a loan in the past because of your credit rating, this is a sensible alternative to expensive poor credit loan borrowing and is suitable for most people as long as they have a loan guarantor.
A type of loan that requires the borrower to find someone to guarantee their application 🧑🤝🧑
This helps people with a bad credit rating gain access to affordable finance.
People with a damaged credit history who may struggle to get a personal loan from their bank, but still looking for:
It’s best to first ask close family and friends with a strong credit history, people who know and trust you 🧑🏽🤝🧑🏽
Before you do, it’s worth doing a little bit of preparation, to give them the information they may ask for:
For more information see: How do you find the perfect guarantor?
The application process is fast, and within twenty-four hours is sometimes possible ⏱️
There is no guarantee that will happen and typical time delays are:
Once all this is done, it’s possible to get loan funds paid out within twenty-four hours of receiving a fully completed application
No, approval cannot be guaranteed 🤞🏼
Though a high proportion of our lender applicants get accepted.
Warning: avoid anyone claiming that they guarantee you will be approved, as this is strictly forbidden by the FCA.
For more information see here.
We cannot guarantee this, but it is possible 👍
Many people who have failed the credit checks for an unsecured loan from their bank have been approved for a guarantor, or another loan via this website (subject to meeting their criteria affordability checks).
Whilst there is no guarantee you will be approved, if you apply, you will be shown lenders who have pre-approved your application (with no hard checks on your credit file).
For getting quotes via this website there will not be a credit check 👍
Our lenders also consider
Once you are making your monthly loan repayments, these will be recorded on your credit file which will start building up your credit score.
Guarantor start from £1,000 and go up to £10,000 👍
Our lenders understand the many reasons why you may need additional funds
Amongst many other things, a concern for the lenders is that you and your guarantor, can comfortably afford the loan payments.
So, they will do an affordability assessment, contact the credit reference agencies, and ensure you have a suitable guarantor.
No, most of our lenders welcome tenants and non-homeowners 🏡
There are no fees or charges for applying
To get details of the fee charged by your chosen lender Get Quotes
Starting from 47.8% Representative APR 👍
Note: you can minimise monthly loan repayments by selecting longer loan terms, see our calculator to estimate this (note however this can increase te total amount you have ot pay back).
To find out the options available to you fill out this 3-minute form to get quotes.
Yes, we are fully regulated Credit Brokers based in the UK
If you are concerned about using any financial firm on the internet, see:
Contact your lenders straight away if you are having financial difficulties ☎️
We only work with responsible lenders, who will always do what they can to assist you if you fall into difficulties:
If after speaking with your lender it becomes clear that you are unable to make the repayments, they will contact your guarantor to take on your loan debts for you.
Most of our lenders do allow over-payments and paying off early without penalty👍
Under the Consumer Credit Act
This can be done verbally or in writing to the contact details listed on your credit agreement.
Payday are small loans typically up to £1,500 (we do loans up to £10,000)
For more information see our FAQs
Safe & secure UK website established in 2015