Guarantor My Loan

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

Guarantor My Loan

Guarantor Loans

Borrow: £2,000 to £10,000
Repay over: 12 to 60 months


4.9/5 from 557 reviews on Trustpilot

Representative 48.9% APR

Representative Example: £4,000 over 36 months. Monthly payment £193.56. The interest is 17% per annum fixed and service fee is 23.48% per annum fixed. Interest payable £1,246.63 and service fee payable £1,721.53. Total repayable £6,968.16.

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

Allcreditloansnet 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?

Guarantor My Loan Online Reviews

4.9 out of 5 from 557 reviews on Trustpilot

See ten recent reviews:

  • ⭐⭐⭐⭐⭐

    I am very happy

    I am very happy with what Holly, has done for me today, thank you very much 👍

    Stacey Eggerton
    Stacey Eggerton
    22nd September 2022
  • ⭐⭐⭐⭐⭐


    Excellent service recommend to all.

    Andy Cooper
    Andy Cooper
    14th September 2022
  • ⭐⭐⭐⭐⭐

    Perfect Communication

    Perfect communication. Answered any questions quickly and efficiently, made everything easy to understand whilst continuing to be professional.

    26th August 2022
  • ⭐⭐⭐⭐⭐

    Friendly and Professional

    Stephen was very friendly and professional application was very quick and highly recommend.

    Natasha Webster
    Natasha Webster
    6th September 2022
  • ⭐⭐⭐⭐⭐


    The representatives are very accommodating and helpful.

    22nd August 2022
  • ⭐⭐⭐⭐⭐

    I cannot recommend highly enough

    5This company I cannot recommend highly enough, the customer service was exceptional and I personally recommend Robert as he made me feel at ease through every process.

    Curtis Wynn
    Curtis Wynn
    16th August 2022
  • ⭐⭐⭐⭐⭐

    Handled my application with great care

    James, handled my application with great care and urgency and spoke through the claim with clear instructions.

    Thomas Burke
    Thomas Burke
    16th August 2022
  • ⭐⭐⭐⭐⭐

    Thorough and very helpful

    Rob has been thorough and very helpful throughout my application.

    Joseph Owen
    Joseph Owen
    16th August 2022
  • ⭐⭐⭐⭐⭐

    So helpful throughout the whole process

    Andrew was so helpful throughout the whole process and answered all my queries. Would highly recommend!

    10th August 2022
  • ⭐⭐⭐⭐⭐

    Really helpful

    Rob, has been very encouraging. His voice and demeanor on the phone is really helpful.

    Ab A
    Ab A
    10th August 2022

Guarantor Loan Features


Maximum APR 48.9%

Arrangement fee: £30.48

Early repayment fee: £0

Late payment fee: £11.50

Minimum Criteria

Must be a UK resident

Must be aged 21 or over

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

Guarantor must be aged 21 or over

Guarantor must be able to demonstrate a good credit history

Loan Highlights

Early repayment with no charges

Peer-to-peer lending options available

1 month’s cashback available upon repayment of the loan

Con’s 👎

Annual service fees are charged

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

The Basics ✍️

Maximum age of 70 for both you and your guarantor

You and your guarantor need to be over 21

For financially linked applicants, you and your guarantor need to be able to afford the loan in your own right, with separate income and expenditure.

For homeowner guarantors and applicants, there must be no mortgage arrears for last six months

All applicants and guarantors must be UK Residents

You will need a valid UK bank account

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

Pro’s 👍

Very good rates (for the guarantor market) if you and your guarantor are both homeowners

Your guarantor can be your husband or wife (one of only two lenders that allow this)

Increasing number of positive reviews online

Tenant guarantors are acceptable

About Guarantor My Loan

Founded in Norwich and trading since August 2014, Guarantor My Loan is a loan lender with a difference providing affordable guarantor loans to borrowers in the UK.

They have grown and developed into one of the more innovative and popular loan lenders in the market today.

They’re proud of our pioneering peer-to-peer lending model, which benefits both lenders and borrowers who are looking for more affordable rates than they could maybe get elsewhere.


Same day 📆

  • GML aims to get the loan money into your guarantor’s bank account the same day that your application is accepted.

Only 5 minutes for both you and your guarantor ⏱️

  • Once GML has received your completed application they aim to get in touch within 1 hour (during office hours).
  • As a responsible lender, they need to speak to both you and your guarantor over the phone
  • This is to ensure they have the correct details and ask a few further questions (as required by law).
  • This helps us to prevent fraud and protects our customers.

When they’ve approved your application, they aim to get the loan paid out the same day.

No 😀

Yes 😃

  • You can pay the full outstanding balance off
  • Pay any interest and service fees due up to that point

Company Info

Companies House Info

Co Reg No: 08667447


Address: 4th Floor, 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX

FCA Registration

FCA Ref No: 718844

Firm Name: Match The Cash Limited

Principal Place of Business: 4th Floor, 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX

Data Protection Info

Reg No: ZA055459

Data Controller: Match The Cash Limited

Address: Acre House, 11/15 William Road, London, NW1 3ER

Other Names:

  • Asset Lever

Get Accepted for a Loan

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