1 + 1 Loans

Find out if 1 Plus 1 is the lender for you: read some reviews, the pros & cons of their loans and more…

1 Plus 1

Guarantor Loan

Borrow: £1,000 to £10,000
Repay over: 12 to 60 months


4.5/5 from 213 reviews on Trustpilot

1 Plus 1 Loans Representative: 47.8% APR

Representative Example: You borrow £1000, Monthly payment: £102.75, Interest and fees: £233.00, Total to repay: £1233.00 47.8% APR (fixed)

* Details are correct at the time of writing, subject to change without notice.

Allcreditloans.net Representative 49.9% APR

Representative Example: 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.

What does representative APR mean?

1 Plus 1 Online Reviews

4.5 out of 5 from 213 reviews on Trustpilot

See 10 recent reviews:

    • ⭐⭐⭐⭐⭐

      Very Quick

      Very quick and the staff are helpful

      Adrian Vidler
      Adrian Vidler
      19th September 2022
    • ⭐⭐⭐⭐⭐

      Very quick

      Very quick and the staff are helpful

      Adrian Vidler
      Adrian Vidler
      19th September 2022
    • ⭐⭐⭐⭐⭐


      I recommend 1plus1

      Mateusz Gie
      Mateusz Gie
      12th September 2022
    • ⭐⭐⭐⭐⭐

      Really good

      They were really good at helping me, thank you.

      Kelly Neilson
      Kelly Neilson
      3rd September 2022
    • ⭐⭐⭐⭐⭐

      Easy to understand

      Simple set up not sure if it’s as easy to collect money yet but we will see.

      Andrew Robb
      Andrew Robb
      6th August 2022
    • ⭐⭐⭐⭐⭐

      Very good

      Very good experience.

      4th August 2022
    • ⭐⭐⭐⭐⭐

      Very prompt service

      A great help and very prompt service. The help I received when I needed it was emplicable. I recommend. Thank you 1+1Loans.

      Isabel Hodgson
      Isabel Hodgson
      6th July 2022
    • ⭐⭐⭐⭐⭐

      Straight forward

      Straight forward, nervous about giving you access to my account but that’s just me.

      Stephen William
      Stephen William
      27th July 2022
    • ⭐⭐⭐⭐⭐

      Kind and helpful

      I found the staff I spoke to very kind and helpful.

      Karl Birkinshaw
      Karl Birkinshaw
      19th July 2022
    • ⭐⭐⭐⭐⭐

      Straight forward

      Was very straightforward and easy to complete

      Isabel Hodgson
      Isabel Hodgson
      6th July 2022
    • ⭐⭐⭐⭐⭐

      Very understanding

      Very easy to follow and use, very understanding and clear, and helpful

      Farhad Rezapour
      Farhad Rezapour
      7th June 2022

    Guarantor Loan Features


    Maximum APR 47.8%

    Arrangement fee: £0

    Early repayment fee: £0

    Late payment fee: £15

    Minimum Criteria

    Must be aged 18 or over

    Cannot have a history of bankruptcy or any active IVAs, CCJs etc

    Guarantors must be aged 18 to 75

    Guarantor must be able to demonstrate a good credit history

    Loan Highlights

    Borrowers do not need to have a good credit history

    Guarantors do not have to be homeowners

    Loans of up to £10,000 are available

    Loan can be repaid in full at any time

    The Basics ✍️

    UK Residency – All applicants and guarantors must be UK Residents

    Age – You must be at least 18 and no more than 75 years old

    Bank – You must have a UK bank account and a debit card.

    Insolvent – You need to be solvent, so not in a DMP (debt management plan), IVA (Individual Voluntary Arrangement), Trust Deed (Scotland), or bankrupt

    Parents – Parents can act as a guarantor.

    Con’s 👎

    Guarantor – You need a guarantor, and if you stop making your monthly payment, they will need to step in.

    Good credit rating required – Your guarantor must have a credit rating.

    Repayments – Your guarantor will be expected to make the repayments on the loan if you are unable to do so.

    Pro’s 👍

    No application fees – The only additional fees relating to loans with 1 + 1 are for missed payments.

    Competitive APR – At 47.8% the current APR is lower than the market average of 49.9%.

    Non-homeowners accepted as guarantors – Unlike some other lenders, 1 + 1 will accept guarantors who do not own their own property.

    Smaller loans available – With loans starting at £500 these are an affordable solution to short term financial problems.

    About 1 + 1

    1 + 1 Loans were founded in 2013 at a time when they could see that borrowing money at an affordable price was becoming a difficult prospect for those who needed it most.

    They base eligibility on creditworthiness, affordability and friends and family rather than credit ratings.

    They aim to make the application process as pain-free as possible and have efficient payout times, with most customers having the money appear in their account the same day they apply.


    They say the money could be in your bank account today 😀

    With our guarantor loans, the money could be in your bank account today, if we get you approved before 3pm

    To achieve this you will need to have all the details they require from you and your guarantor.

    From our tests, it was quick, about 2 minutes and 40 seconds to fill out their online form 🏃‍♂️ 💨

    No 😀

    • 1 Plus 1 do not charge upfront fees.
    • There is zero charge for using this website.

    Yes 😉

    • You can fully pay back the loan at any time.
    • There is zero charge for doing this.

    Company Info

    Companies House Info

    Co Reg No: 8387053

    Website: 1plus1loans.co.uk

    Address: The Old Tannery, Eastgate, Accrington, Lancashire, BB5 6PW

    FCA Registration

    FCA Ref No: 717767

    Firm Name: 1 Plus 1

    Principal Place of Business: Yates Barn, Netherley Road, Tarbock Green, Prescot, Merseyside, L35 1RG

    Data Protection Info

    Reg No: Z3574423

    Data Controller: 1PLUS1 LOANS LIMITED

    Address: The Old Tannery, Eastgate, Accrington, Lancashire, BB5 6PW

    Other Names: None

    Get Accepted for a Loan

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