Online Guarantor Loans £1,000 to £10,000

Loan quotes in 2-minutes for the loans you’ve been pre-approved for

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 7:09 AM

  • 3-minute online application
  • Up to 35 UK lenders
  • Instant online quotes
  • No obligation
  • No fees - we are a free service

Warning: Late repayment can cause you serious money problems. For help, go to

All Credit Loans is a licensed credit broker and not a lender.

  • Fast Online Loans
  • Quotes in 2-mins
  • Poor credit OK
  • Great rates from 12.9%
  • Repay over 12 to 60 months
  • High Acceptance Rate
Family Pointing

Representative APR: 79.5% (variable)

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%.* Subject to affordability and your credit score (a guarantor may be required).

  • one simple form
  • over 30 lenders
  • instant quotes
  • all online
  • bad credit ok
  • free service
  • secure

What is a guarantor loan?

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’.

Often the lowest rates* when you have poor credit

Guarantor: from 47.8%

Doorstep: 535% to 716%

Installment: 529% to 1,314%

Payday: 529% to 1,314%

* Representative APR. For the lowest rates, you need a suitable guarantor

Typical Benefits

  • Larger amounts – from £1,000 up to £10,000*
  • Longer term – potentially reduce monthly payments by spreading the cost over a longer period, from 12 to 60 months
  • Lower rates – typically the cheapest ‘loan for bad credit’ with a 47.8% representative APR rates* versus 272% – 1,575% for doorstep and instalment

* Rates and amounts available vary from lender to lender; the rate and amount you are offered will depend on your personal circumstances.

You need to get a guarantor: someone with clean credit history and regular income to guarantee your loan

Who can be a guarantor? The ideal person is a family member (including spouse), close friend, or colleague who:

  • Age – is from 18 to 80
  • Residential status – is a tenant, living with parents or homeowner
  • Credit Rating – good to marginally imperfect
  • Income – regular income required (pension acceptable)
  • Affordability – needs to be able to make the loan repayment if you were unable to

For more information see: Being a Guarantor, what you need to know?

Why use this website?

We love guarantor loans and have been helping people get easy access to the very best deals since 2015.

We even do no guarntor loans!


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)


We are fully FCA regulated and Information Commission Office registered

(we’re a Surrey-based firm)

Who can get a loan?

Our lenders can help most people who can show affordability for the money they are looking to borrow.

Missed payments? Have a CCJ? Not a problem 👍

We specialise in affordable options for poor credit.

Unfortunately, our lenders cannot help people who are insolvent.

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 👍

What can the funds be used for?

So long as your reasons for borrowing are responsible, moral and legal, there are many possible uses for the funds.

Looking for a new car or need to repair the one you have? Our lenders offer various solutions.

See Car Fiance

Have short term credit with high-interest rates or credit card debt? You may be able to reduce your monthly repayments by consolidating these into one loan.

See Debt Consolidation

Unexpected expenses can hit at any time? We can help with a quick loan to cover that boiler fix, replacement car, or larger-than-expected tax bill!

See Emergency Loans

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.

Featured Loan Deals

Showing the top loans based on total price for £4,000 over 36 months

Guarantor My Loan Logo

Guarantor My Loan

  • £6,968.16 Total repayable
  • £193.56 Per month
  • 48.9% Representative APR
    3,114 reviews
1 Plus 1 Logo

1 Plus 1 Loans

  • £6,904.08 Total repayable
  • £191.78 Per month
  • 47.8% Representative APR
    23 reviews

Our Most Affordable Loans for Bad Credit

A guarantor loan is a great alternative to traditional borrowing for people who have been refused credit in the past.

  • Borrow between £1,00 and £10,000 with sensible and affordable rates
  • Choose your borrowing term from 6 months to 5 years
  • Fast and secure

By completing one simple form we can have multiple quotes back to you within moments.

  • Rates are the same as they would be if you approached the lender direct
  • We’ve saved you the time of duplicating applications
  • It’s a quick and easy way to find out how much you could borrow

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.

  1.   No credit checks for quotes
  2.   One form to multiple lenders
  3.   No broker or application fees
  4.   Secure online application

Top Questions

A type of loan that requires the borrower to find someone to guarantee their application 🧑‍🤝‍🧑

  • Typically, a family member or friend (with a good credit rating and regular income).
  • The borrower and guarantor both sign the credit agreement.
  • If the borrower defaults, the guarantor may have to make the loan repayments.

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:

  1. More affordable finance – around 49.9% APR versus 500%+ for other types of adverse credit loan.
  2. A larger amount – from £1,000 up to £10,000 vs a max of £2,000 for other types of loan.
  3. To repair their credit score, by taking out a loan and paying it back.

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:

  • Why you need the money – a good reason why you need the amount you need and what it is for
  • You can afford the monthly repayments – the biggest concern they will have is the monthly repayments, that they are not stuck paying these. So, you will need to show them that you can comfortably afford the monthly repayments.
  • Full details about being a guarantor – this can be found on our detailed page Being A Guarantor Guide

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:

  • Time for the borrower to fully complete their application, and provide the required information to the lender.
  • Time for the borrower to find a guarantor.
  • Time for the guarantor to fully complete their application, and provide the required information to the lender.

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.

  • Every lender has its own criteria, and whether they decide to lend to you will depend on your personal situation and the status of you, and your loan guarantor.
  • If you and your guarantor meet the lender’s criteria, then this will greatly increase your chances.

Warning: avoid anyone claiming that they guarantee you will be approved, as this is strictly forbidden by the FCA.

For more information see here.

Yes 👍

We offer many types of loans for people with a bad credit history:

Just fill out our loan application to find the lenders who have pre-approved your application.

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 👍

  • Some lenders just do a ‘soft search’ and this does not impact your file in any way.
  • When you make a full application and enter your personal details to a lender you will be credit checked, but if you have a poor credit rating that is typically not a problem.

Our lenders also consider

  • Your guarantor’s credit file, their financial situation, and income
  • Affordability for the monthly repayment for you and your guarantor

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 👍

  • So, if you’re after a £1,000, £2,000, £3,000, £5,000, or £10,000 loan, we’ve got you covered.

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.

More Questions

Your monthly repayments are typically worked out from

  1. The amount you have borrowed
  2. The period of time you have chosen to have the loan
  3. The APR (annual percentage rate)

This can be estimated on our loan calculator.

For your actual monthly loan repayment please contact your chosen lender for details.

No, most of our lenders welcome tenants and non-homeowners 🏡

  • Your guarantor can be a tenant, for the options click here.
  • You can be a tenant or living with your parents.
  • The credit is ‘unsecured’, so is not secured against property.

There are no fees or charges for applying

  • This website is free for you to use – we’re paid by the lenders
  • Our lenders do not charge to make an application – interest, fees, and charges only start once you’ve taken out the finance
  • You will not save money by going to a direct lender

To get details of the fee charged by your chosen lender Get Quotes

Starting from 47.8% Representative APR 👍

  • If you cannot get a guarantor, ‘no guarantor’ options typically start at 69.9%
  • The finance available to you depends on your own personal circumstances.
  • See here a list of the lowest cost guarantor options.

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

  • Fully regulated by the Financial Conduct Authority (FCA), Permission Reference Number 715726
  • Your data is safe as we are Registered with the Information Commissioner’s Office (ICO) ZA535774
  • We only work with the best UK lenders, who are also FCA and ICO registered.

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:

  • Step 1 – call your lender
  • Step 2 – explain in detail your situation
  • Step 3 – agree on a plan with them that is sustainable for you

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👍

  • Check precise details with your chosen lender before signing the agreement, to ensure this meets your needs.
  • Contact your lender prior to making the overpayment to discuss the exact arrangements.


Under the Consumer Credit Act

  • Right to Cancel – you have the right to cancel your loan agreement
  • 14-Days – without having to give a reason within 14 days.

This can be done verbally or in writing to the contact details listed on your credit agreement.

  • Repay all money – you will be required to repay any money that you have received from the lender,
  • Pay Interest & Fees – plus all interest and fees that have accumulated since receiving the funds.

NO 👎

Payday are small loans typically up to £1,500 (we do loans up to £10,000)

  • With high-interest rates up to 1,500% Representative APR (our interest rates are typically 49.9%).
  • For short periods of up to 4 weeks only (ours are typically from 6 months to 5 years).

For more information see our FAQs

See our detailed, FAQ section plus resources on other websites:

Get Accepted for a Loan

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 7:09 AM

  • 3-minute online application
  • Up to 35 UK lenders
  • Instant online quotes
  • No obligation
  • No fees - we are a free service

Warning: Late repayment can cause you serious money problems. For help, go to

All Credit Loans is a licensed credit broker and not a lender.

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Safe & secure UK website established in 2015

ico Registered
fca Compliant