Non Homeowner Guarantor Loans

Loans for tenants & those who do not own their own home 👍

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 10:14 PM

  • 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 moneyhelper.org.uk

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


Representative 49.7% APR

Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 60 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.


I do not own my own home so can you help?

From our panel of over 35 lenders we have loans that are:

👍 Available to tenants

👍 For those who don’t own their own home

👍 Not secured against a property or vehicle

👍 For those with a less than perfect credit score

👍 For those who do, and do not have a guarantor

👍 For those living with parents or relatives


one-happy-family-with-child


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

What Our Lenders Say


We look at both homeowner and non-homeowner guarantors, tenant guarantors may be subject to a few more checks or questions about their finances during the application stage. Guarantor My Loan


To meet our guarantor criteria, you need to have a good credit history, be a resident in the UK, and a tenant or a homeowner. 1+1 Loans



Frequently Asked Questions

They are typically the best value loans for tenants with a poor credit rating 👍

  • Lenders don’t look so much at the status of the applicant but the person backing their application (see criteria for more details)
  • It’s typically not a problem if the applicant doesn’t own their own home and has poor credit, so long as the loan is affordable for them.
  • These are the people this type of loan was designed for.
  • The applicant needs to find a loan backer, someone with a good credit history to support their application, usually a family member or friend.
  • The main criteria for the loan backer is to have a clean credit file and a regular income; they don’t have to be a homeowner – see more info here.

They could be suitable 👍

  • If they have a clean credit file
  • Have a suitable regular income so the repayments are affordable to them if you ever defaulted.
  • Meet the guarantor criteria

YES 👍

You can use the funds for whatever purpose you wish
(so long as it’s moral & legal)

  • If you’re a tenant, remember to get your landlords permission before making any alterations, if you don’t:
    • Changes may be against the terms of your tenancy agreement, plus
    • You may be required to return the property to its original condition at the end of the tenancy!
  • Many people also use the funds for

UK data says that defaults are higher for tenants compared to homeowners 🤔

  • Not a reflection on you or your backer, but unfortunately lender underwriting criteria.
  • However good rates still available from 47.8% APR.

YES 👍

However, the best deals are for people who can find a guarantor

  • You’ll need to show the loan is affordable
  • You cannot be insolvent (in an IVA, bankrupt, Trust Deed etc.)
  • See What’s the criteria

Estimate your loan repayments with our loan calculator, but to get an accurate quote and to find out exact loan repayments

  • Submit your details to the lenders via our loan apply form
  • No cost, obligation, or impact on your credit file at this stage.

Your credit score will not be impacted by only getting quotes 😀

  • We do a soft search on your credit file which crucially does not leave a mark for other companies to see, which does not impact your credit score or impact any future credit applications.
  • If you decide to take out a loan, then both you and your guarantor will be subject to a hard credit check, but only after you have made a formal loan application with the lender. Too many hard credit checks over a short period of time can affect your credit score for six months, reducing your ability to get approved for credit in the future.

More FAQs

YES 😀

  • By successfully making all your loan repayments without default, and
  • Repaying the credit in full

See our Credit Repair Guide

We’re a free service, zero charge 👍

  • We get paid by the lenders if you take out a loan.
  • Loans via us will cost you the same as if you went to the lenders directly.
  • For more information see how we get paid.

NO 👎

Home credit loans (also known as doorstep loans)

  • Are small Loans from £100 to £1,000
  • Where an agent for the loan company visits your home on a weekly basis to collect the loan repayments in cash.
  • Have typical Representative rates around 535% – 757%
  • Compared to our Representative APR of 49.5%.

We save you the time and effort of applying to multiple lenders ⏱️

  • When you Get Quotes, we automatically check with up to 35 lenders and return your quotes in seconds
  • With no impact on your credit score
  • For free
  • All quotes are the same as if you went the lender direct
  • We get paid directly by the lenders

Video

Can non-homeowners and tenants get guarantor loans?



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!

Fast

Easy access to all the best deals. One simple form to over 35 lenders.

(zero impact on your credit file)

Free

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)

Safe

We are fully FCA regulated and Information Commission Office registered

(we’re a Surrey-based firm)

Get Accepted for a Loan

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 10:14 PM

  • 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 moneyhelper.org.uk

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

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