Car Loans with a Guarantor

Get online quotes in 2-minutes for ‘bad credit car loans’ 🚗

Representative 49.9% APR

Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.

Need car finance but have a bad credit rating?

A £1,000 – £10,000 guarantor loan could be a great option

  • Missed payments & CCJ’s OK
  • Affordable rates from 47.8% Rep APR
  • Buy any car, new or used
  • Any dealer or private sale
  • Use the car how you wish
  • Affordable repayments over 12 to 60 months

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

Frequently Asked Questions

  • Unsecured personal loan – that is not secured on your car.
  • For bad credit a loan designed for people with a bad credit rating.
  • Needs a guarantor – requires someone with a clean credit history & income to guarantee the loan, typically a family member or friend.

Possibly, our lender’s loans are for people with a low credit score 👍

  • Affordable bad credit loan – the guarantor loan was designed to bring affordable loans to people with defaults, and CCJs.
  • Lower interest car loan – they typically have lower interest rates than other car loan options for bad credit, such as logbook loans, typical rates
    • Guarantor – 29% to 54.9% Representative APR’s
    • Logbook –  89% to 148% Representative APR’s

Compared to hire purchase and car leasing, the loan is not linked to the car 👍

  • Buy any car from anyone – with other finance options you can be restricted to certain car makes models, ages, and dealers.

“With a guarantor loan, you can buy any car you like from anyone”

  • Buy a cheaper car – with no restrictions on the car you buy and from who, this can mean finding better deals.

“Cheaper second-hand cars are open to you that may not qualify for hire purchase or leasing.”

  • No restrictions on car use – other finance can have terms relating to returned condition, mileage, and how the car is used.

“With a loan via us, you can use the car exactly how you wish – no restrictions.”

We have loans from £1,000 to £10,000

  • The amount you can borrow – will depend you’re your own personal circumstances.
  • For loans above £10,000 – you will need to have a ‘not too bad’ credit rating plus a guarantor that is a homeowner.

Find out how much you can borrow

(no impact on your credit score)

No, you can use the money as you wish* 😊

  • Affordability – the loan will need to be affordable to you and your guarantor.
  • Only borrow what you need – we always suggest only borrowing the amount you need, as remember, the money will need to be paid back with interest.

* Except for gambling, and illegal/immoral activities.

Yes, you can use the money for repairs 🔨

  • Save money – repairing can be a better option as sometimes it can be cheaper than buying another car.
  • Affordable – so long as you and your guarantor can show affordability, this could be another option.

More FAQs

On receiving a completed application many of our lenders pay out the same day 👍

This will depend on

  • Your application – you getting your application to the lender in good time
  • Your guarantor – getting their completed details submitted too

More information

  • Fast lenders – see our same day lenders
  • No guarantor loans quicker no guarantor loans can be quicker as you do not need to get a guarantor, but typically more expensive and smaller loans.

Compared to a logbook loan, guarantor loans

Typically lower interest rates

  • 39% to 54.9% compared to 89% to 148%

Not tied to the car

  • With logbook loans, you’re handing over the ownership of your car to the lender until the loan is repaid.

The cost depends on your personal circumstances

  • Interest and fees – depends on the lender that you select.
  • This website – free for you to use.
  • Cheapest loans – see our lowest APR options
  • Quotes – getting quotes takes 3-minutes – see lenders that have accepted you (in principle) & Get A Quote

When getting quotes there is no impact on your credit score.

Loan costs are typically cheaper with a better credit score, see how to improve your credit rating.

3 to 60 months depending on the amount and lender 📅

  • Amount – typically, smaller amounts have shorter terms and larger amounts longer.
  • Lenders – the term varies from lender to lender.
  • Longer-term – a longer-term will typically have lower monthly repayments but cost more overall.
  • Calculate – our loan calculator lets you play with loan amounts and terms, to see this.
  • Quotes – to get actual quotes click here.

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)

Get Accepted for a Loan

union lock

Safe & secure UK website established in 2015

ico Registered
fca Compliant