WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP, GO TO MONEYADVICESERVICE.ORG.UK

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 different reasons – school fees, medical bills, home improvements; and Guarantor loans provide the deals and services which most borrowers who have bad credit need.

Rather than taking pot luck and typing in “guarantor loans low apr” into Google, this article looks at 4 steps to help find the best value loan.

The rate will not be the main cost of the amount you have to pay of – the term Representative APR does. Interest rate simply just states the additional charges you have to pay, but does not take into payment to any other fees or charges over the course of the loan. But Representative APR takes these other fees into account.

For example you borrow $20,000. The first lending company that you approached offers Representative APR of 39% and the second lending company is 41%. This simply means that you will be able to save 2% of $20,000 with the second lender. Now with that you can saves a lot. The key here is to find the best lender that could provide lower rate. Here are some tips that could help you out.

Step #1: Consider your credit line

This is one of the most important step to consider. Your credit rating is a way to assess your creditworthiness. These lending companies will check your credit line and through this, they will assess your application. If your credit score is low, this does not always mean rejection. But it could make them charge you higher thus increasing the usual APR being charged.

You should check your credit score, through ClearScore.com and get without charges credit report from three major 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 an emergency loan.

Step #2: Consider lending companies online

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 theri rates and charges and most especially their offered APR.

Step #3: Ask for referrals

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

Step #4: Compare APRs

With all the details that you get from your inquiries, you can start comparing APRs. Choose the lender that offers you the lowest APR for your guarantor loan.

 

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.

Hi There My Names Martin! I’m a huge sports fan fancy myself as the next Lionel Messi.. Ive been writing for the last ten years mainly in the financial niche.