Borrow £100 to £25,000*


  • Bad Credit Accepted
  • Fast Payout
  • No Fees
  • Secure Application

Short Term Guarantor Loans

£100 – £1,000

N Online decision
N Responsible lenders
N Rates from 278% to 1576% APR*
N 3-12 month repayment

Personal Guarantor Loans

£1,000 – £25,000

N Whole of Market panel
N Trusted panel of lenders
N Rates from 5.7% to 278% APR*
N 3-36 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 238.1% pa (variable). Representative 481.6% APR.

ccta and fca registered lender

Instant Decision Guarantor Loans: Finding Low APR Lenders

Key Features

  • Most UK direct lenders now offer instant decision guarantor loans online.
  • You can find out if you’re eligible immediately, and some even offer same day money.
  • High acceptance rates often mean that bad credit is considered for eligibility.

People require loans for a variety of reasons – school fees, medical bills, and home improvements. A great option for these needs is a guarantor loan which provides great offerings and services which most borrowers who have bad credit need.

Instead of wasting your time by searching for “guarantor loan with low apr” in Google, we will share four steps on how to obtain the best loan deal for your needs.

The interest rate is not the main add-on to the loan amount, it is actually the Representative APR. Interest rates only imply the extra charges that will be added to your loan cost but it does not include the other fees not that you will shoulder for the entire loan duration. Representative APR takes all the other fees into the equation.

Let’s say, your loan amount is £20,000 and the first lender gives you a price quote with 39% Representative APR while a second one offers 41%. Simply put, you can save 2% or £400 by getting the loan from the second lender. Now with that, you can save a lot. The key here is to find the best lender that could provide a lower rate. Here are some tips that could help you out.

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Consider your credit line

This is one of the most important steps to consider. The credit rating of a borrower is one of the ways lenders will check your creditworthiness. It is normal for lending companies to check your credit history to assess your credit reputation. Having poor credit does not mean you will be rejected immediately. However, having a poor credit score can prompt a lender to charge you a higher APR than the usual.

It is possible to check how your credit looks like by going to to get a credit record from the major credit reporting bureaus. If you have a good credit score then you can always delay your loan application. This way, you will be able to increase and improve your score just in time for the future in case you need emergency financial assistance.

Look into online lenders’ offerings

You should check out those lenders online. Make sure that you check their web page. See to it that they are legal and legible for their loan offers and services. It would help a lot to get in touch with their customer care service. Through this, you will be able to determine if they are capable of providing such kind of loan. Consider also their rates and charges and most especially their offered annual percentage rate.

Look for suitable referrals

If you are a newbie when it comes to loan application then make sure to ask your friends about it. They will be able to provide you with some amazing recommendations when it comes to this matter especially if they have already made such kind of transaction online.

Perform APR comparison

After collecting information from various lenders, compare the APRs that they offer. You can then choose which lender can offer a guarantor loan with the most acceptable APR.

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More Instant Decision Online Guarantor Loan FAQs

Can I get instant approval on loans

Several lenders are now willing to provide guarantor loans that provide applicants with an instant decision online. This enables you to see virtually immediately if your current application has been approved. You will usually also be able to track your loan’s application and approval processes online.

How easy is it to apply?

Applying for guarantor loans online is easier than you think. Most lenders will only expect you to fill in a short online application form and submit it in order to be considered for approval. After you’ve submitted your application online, one or more lenders that want to assist you will get in touch.

How much can I apply for?

You will be allowed to apply for a loan that corresponds with your current income and expenses. For instance, if you only earn £1,000 per month, you will not be allowed to apply for a £10,000 loan. A process called auto decisioning will be used to determine what a safe loan amount will be for you.

What if I skip repayments?

If you fail to repay guarantor loans or your instalments are paid late, you will be penalised in the form of additional interest. Therefor, you must ensure that you have sufficient funds in your bank account to repay each instalment as it comes due.

Do I repay consistent instalment amounts?

In most cases, yes. The amount of your loan and the interest being charged will be divided into equal instalment amounts for you to repay. This makes it easier for you to budget each week or month because you know exactly how much you will need to have in your bank account to cover this.