We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • Apply For £ 50 - £ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit

 

PERSONAL

Loans

N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment

 

SHORT TERM

Loans

N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 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 236.1% pa (variable). Representative 481.6% APR.

Guarantor Loans with Low APR


Future Finance

  • Guarantor Qualifications
  • Guarantor must be a homeowner, or a tenant with a good credit history
  • Aged 20 to 70 years old.
  • Loan Amount -Minimum of £1,000 Maximum of £40,000
  • Loan Term – 1 year up to 10 years
  • Representative APR – 11.2% APR variable
    Representative Example: Representative rate is 11.2% APR (variable) so if you let’s say borrow £4,500 over 10 years and 5 months at a rate of 11.1% during studying and 9.1% after graduation (variable), plus a 6.5% set up fee you will normally repay 5 payments of £30 per month, until 3 months after your graduation; 119 payments of £61.90 per month and 1 payment of £61.50 per month a total of £7577.60 in total

Guarantor My Loan Homeowner Loan

  • Guarantor Qualifications
  • Guarantor must be a homeowner with a stable income
  • Aged 21 to 75 years old
  • Loan Amount – Minimum of £1,000 Maximum of £10,000
  • Loan Term – 1 year up to 5 years
  • Representative APR – 29% APR £1,000 – £10,000
    Representative Example: The representative rate is 29% (fixed) so if you borrowed £3,000 over 3 years at a rate of 10% p.a. (fixed) plus the service fee of 15.74% p.a. you will repay £120.46 per month and a total of £4,366.44 in totalLendFair Ltd Guarantor Loan
  • Guarantor Qualifications
  • Guarantor must be a homeowner, or a tenant with at least an average credit history
  • Aged 18 to 75 years old.
  • Loan Amount – Minimum of £1,000 Maximum of £10,000
  • Loan term – 1 year up to 5 years
  • Representative APR – 29.9% APR £1,000 to £10,000
    Representative Example: The representative rate is 29.9% APR (fixed) so if you borrow an amount of £3,500 over a period of 4 years at a rate of 29.9% p.a (fixed) you will repay £118.86 per month and a total of £5,705.28 in total

UK Credit Guarantor Loan

    • Guarantor Qualifications
    • Guarantor must be a homeowner
    • Aged 21 to 70 years old.
    • Loan Amount – Minimum of £1,000 Maximum of £10,000
    • Loan term – 1 year to 5 years
    • Representative APR – 38.9% APR £4,000 to £4,999
      Representative Example: The representative rate is 38.9% APR (fixed) so if you borrow an amount of £4,500 over a term period of 3 years at a rate of 33.3% p.a (fixed) you will repay £199.26 per month and a total amount of £7,173.36 in total

      Suco Guarantor Loan

       

    • Guarantor Qualifications
    • Guarantor must be a homeowner
    • Aged 18 to 78 years old
    • Loan Amount -Minimum of £1,000 Maximum of £15,000
    • Loan term -4 years to 5 years
    • Representative APR – 39.9% APR £6,500 to £7,999

Representative Example: The representative APR is 39.9% APR (fixed) so if you borrow an amount of £8,000 over a period of 5 years at a rate of 39.9% p.a. (fixed) you will repay £279.20 per month an a total amount of £16,752.00 in total

Trusttwo Guarantor Loan

  • Guarantor Qualifications
  • Guarantor can be a homeowner or a tenant
  • Aged 25 to 74 years old.
  • Loan Amount -Minimum of£1,000 Maximum of £7,500
  • Loan term – 1 year to 5 years
  • Representative APR – 43.8% APR £3,000 to £7,500

Representative Example: The representative rate is 43.8% APR (variable) so if you borrow an amount of £4,000 over a period of 3 years at a rate of 36.9% p.a (variable) you will repay £185.27 per month and a total amount of £6,669.72 in total


Guarantor Loans: Finding One with Low APR

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.

Step #1: 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 ClearScore.com 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.

Step #2: 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.

Step #3: 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.

Step #4: 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.

What if I can’t keep up my repayments?

If you can’t keep up with your repayments you must contact your moneylender immediately and advise your struggling with the monthly installments some companies will adjust your monthly installments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your file this could make obtaining further down the line a lot more difficult.

What do I do next?

Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain-free as possible. The whole application process from start to finished shouldn’t take you longer than 3 minutes it’s as simple as you can get.

What can I do if I wish to complain?
Information about complaints can be found in our complaints policy.

What if I can’t keep up my repayments?
If you can’t keep up with your repayments you must contact your moneylender immediately and advise your struggling with the monthly installments some companies will adjust your monthly installments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your file this could make obtaining further down the line a lot more difficult.

What do i do next?
Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldnt take you longer that 3 minutes its as simple as you can get.

*Subject to lender approval and requirements.