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
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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




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 Online: Keeping it Big Consistently

A guarantor loan is a subprime product that gives competitive low rates to individuals with a poor credit history. The pricing is cheaper than other alternative financial products across the market due to the “Guarantor” backing. This individual (a family member or friend) stands in to back the loan application should it happen to default. If it does then they will become important to clear the claims. The funds are issued to the backer as part of a security system by the lender. If there are not ever any issues throughout the term of the loan then the person backing the application will not ever have to be involved any further.
What is a guarantor loan?
A Guarantor loan is an unsecured personal finance agreement that calls for no credit scoring; you must also have somebody who trusts you enough to stand guarantor to your loan agreement.


  • Effective means to procure credit
  • Ignores credit rating of the borrower (no credit scoring)
  • Generally larger lending capacity as opposed to a payday loan
  • One of the only ways for many individuals with bad credit to gain finance
  • Helps to restore credit rating
  • Paid into your bank account within 48 hours of the loan being agreed

Finding instant guarantor loans online tend to be the most problematic area in this sector. Most lenders ask that they must have a great credit history, have a bank account and be a UK homeowner. There are also typical age restrictions in place. The lender UK Credit has recently relaxed their demands in allowing tenants to back the application, but extra interest is added on due to the increased default risk. Whether a homeowner or a tenant stands in, much of the focus is aimed at their credit score. The profile of the applicant isn’t a major issue, but they must not be currently bankrupt or be on an IVA. CCJs and defaults shouldn’t be a problem since many individuals will be using these loans for the means of debt consolidation. An alternative if you are unable to get a guarantor, we understand that not everyone has friends or family in the position to fill the guarantor space, is our bad credit personal loans guaranteed approval no credit check. Meaning that you can get the financing you are looking for without the stress of putting your financial troubles on someone else.

You can apply for amounts in their thousands that can be divided into manageable repayment periods, often up to 5 years. The cost of guarantor loans online is low compared to their market substitutes. They previously operated under the name of FLM Loans, before they chose to rebrand in 2012. Their original product was launched in 2005 and so they have been around for a good while now. This industry has been growing swiftly that has been clear from seeing many new lenders enter this niche over the past few years. Market data also shows that search engine related terms introduced into Google each day have approximately doubled compared to a few years ago. The advertising from Amigo Loans would have made a difference in this regard, but all such lenders are developed extensively across the web. This is due to the large broker fees that can be received for generated leads.

Broker fees are not needed if you head straight to the lender, but if you do then an amount of £300 or so would have to be included to the balance. Avoiding such fees creates highly competitive rates. Just to highlight this, the top guarantor lenders are approximately 4 times lower than Pounds to Pocket. There was a period when guarantor lenders required documentation to be sent through the post and so the time before funds could be received could take several days. A recent development has seen a few lenders allow the loan process to be carried out fully online.

These points to that same day funding can be received that is another interesting product feature. It is no surprise to see that guarantor loans are becoming increasingly popular across the UK market. There is now more supply than ever and it is a win-win situation for these lenders since they have the security measure of the backing to fall back on. On the other side, with poor credit you can still be obtained here, when most mainstream lenders would immediately turn down the application. Another point is that becoming involved in an agreement like this can help the credit score of the applicant and so in time they may well qualify for the cheapest rates obtainable from the leading banks.

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.