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: Your Solution to Financial Problems

Applying for credit can be a tedious endeavor for those who may have had difficulties in the past. This circumstance can be made worse by the fact that those who have financial issues will have a lot of trouble in obtaining a loan. Of course, the reason as to why our credit score has been affected could have been out of our control. Unfortunately, this does not make much of an exception, as the more traditional avenues will use a uniformed system to guarantee their decision-making process remains the same for all applicants.
Such companies aren’t doing anything bad in this case; it just means that your particular conditions do not meet their lending criteria. This can, of course, be discouraging, but there are other avenues that you can consider that may be most suitable for your particular requirements. One such option, is applying for a guarantor loan.

What Is Needed for a This Type of Loan?

As you have definitely worked out from the name, this loan demands that the applicant has entry to a guarantor. This can in some ways be seen as a confirmation of the person’s character, or as a backup should the applicant fall behind with payments. Either way, it is a solution that looks to aid those with a bad credit score, as long as it is used in the right way.
Before applying for any kind of loan, you need to guarantee that you are in a position to be making regular payments to the loan company as per the agreement. Not taking this into account could mean a series of divisions for you, as well as those who looked to vouch for you when you made your original application, as it could mean that they will be called to make payment on your behalf.
As you can think of, this can cause a number of problems, especially if the guarantor is a family member or friend.
However, there is no need for such an event as long as the right kind of discussion is held prior to making an application. For example, you should secure that you explain what is expected from the guarantor in full. While it can be depressing if someone does not agree to act as a guarantor, the situation will be made worse if they don’t completely understand their role, particularly if the worst-case scenario occurs.


Like any industry, it can be hard to tell the fact from the fiction in some instances, and the world of finance is no different. Guarantor loans UK no homeowner can get bad press for a number of different reasons, but in many instances, these loans are merely misunderstood.
For instance, it is usually assumed that all guarantors have to hand over their bank details. While some providers may require this, others may not. As such, just looking at the various terms and conditions offered by each provider will enable you to make a decision with more clarity.

Another popular myth within the financial business is that all loans that want a guarantor generally have extremely high interest rates. While interest rates can vary and in some cases, be greater when compared to a high street provider, they are still low when compared to other alternatives.

For example, payday loans can have a very high APR, and even if they are only short-term solutions, they can still be costly because of the excessive APR. Although you will undoubtedly be paying back more than you initially borrowed with a loan, it is very seldom as much as people think.

The amount that a person can borrow is also a subject matter that is often touched upon, which again can mean a series of conflicting information exists within the industry. Again, the amount on offer can differ from provider to provider, but the assumption that companies who offer loans with a guarantor only provide small amounts is incorrect. While many companies will have a maximum you can borrow, there is a larger amount on offer than if you had chosen a choice route, such as a doorstep loan.

There Are No Fees Associated with This Unsecured Loan?

Another frequent misconception is that a fee has to be paid up front. While not every company can be accounted for, the majority of providers will not charge a fee application.

Some Guarantors Are Uncertain of the Ramifications

While the guarantor will need to make payments should the applicant fail to, there is a lot that is misunderstood about the role of the guarantor. While it is true the guarantor has to be a homeowner, this is not because the loan is obtained against the property, but that it shows that the person who is acting as guarantor is able to calculate and meet repayments.

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.