Having trouble borrowing money on your own? Want to improve your credit history?
A Guarantor loan could help.
Borrow up to £12,500, in your own name, by asking a relative or friend to guarantee that you'll repay it.
Apply online and, once you and your Guarantor are approved, on average you'll have the money within 3 days.
Your guarantor can be a homeowner or a tenant
Poor credit, CCJ's & Defaults always considered
It's simply a way of borrowing the money you need with a little help from a friend or family member Your guarantor can be anyone who trusts you financially – a friend, partner, family member or colleague who simply acts as back up should you be unable to make your repayments.
Guarantors can be either homeowners or non-homeowners (tenants or renting) – we have a loan for everyone no matter what your circumstance.
We offer a variety of APRs from as low as 31.9% where the rate you get is tailored to you.
To see what rate you could get, try our calculator
We want to make it easy for you to get a loan. All Guarantor Loans are through UK Credit - one of the most trusted Guarantor Lenders in the UK. Want to see proof? Check the TrustPilot ratings
To make sure your repayments are affordable, an expert team will guide you through the process, answering any questions you may have and to make the loan process as easy as possible. You will never be asked for any upfront fees. Rates from just 31.9% where your guarantor is a homeowner and 47.9% where the guarantor is a tenant
Once you've applied for a loan through our secure application, the team will help to get your loan paid out as quickly as possible. As well as considering loans for people with a poor credit history, we believe that you should be considered regardless of whether your guarantor owns their home or not.
We will consider a broad range of financial backgrounds and people with poor or limited credit history. However, we won't be able to help if
The unique nature of guarantor loans means that the guarantor protects the loan repayments if the borrower cannot make them, so we do require the guarantor to have a fairly good credit rating.
For our homeowner guarantor loan we conduct a soft credit search and use the borrowers credit score to determine what APR should be offered and to establish an understanding of their credit history.
Have more questions?
Take a look at our full list of FAQs here.