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




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: Cash price £7,500. Deposit £0.00. Total amount of credit £7,500.00.

60 monthly repayments of £137.22 Total charge for credit £733.20. Total amount payable £8,233.20. Interest rate 3.8% fixed. 3.8%APR Representative.

We are a Credit Broker and not a Lender

Securing A 500 Loan Over 12 Months With A Guarantor

When you take out a loan from a bank or financial institution, it helps to have a plan for the money before you even make an application. Entering into a credit agreement is a serious matter and you must have a realistic view on how much money you need, the reason for your borrowing and how you are going to pay it back on the agreed terms and conditions. Knowing the different options available and how they work would also help. And if you have bad credit and you don’t have an asset to offer as security to obtain reliable funding, then a 500 loan over 12 months with a guarantor could help you out.

A Guarantor Loan

The financial product is one where a guarantor covers the loan deal. This means that the guarantor will share an equal responsibility in your loan’s repayment. When you default from your loan payment, the guarantor is held liable for the loan. After the guarantor co-signs your loan agreement, he will enter into a legally binding agreement that will be in effect until the 500 loan over 12 months has been completely paid off. The guarantor can be someone you know as a family member, friend, or co-worker.

Guarantor Qualifications

There are certain qualifications that a potential guarantor candidate must meet to be accepted by a lender providing a 500 loan over 12 months in the UK. Normally, the person must be a legal resident of the country who enjoys a reliable source of income. The guarantor must also have an excellent credit score and must be financially independent of you. There are also instances when a lender will only accept a guarantor who owns various properties and other valuable assets.

How The Loan Works

When you take out a 500 loan over 12 months through a guarantor loan, this means that your credit score is not sufficient enough to convince the lender that you are a trustworthy borrower and/or you don’t own a valuable property or asset that the lender can use as collateral to offset the risk involved in your loan deal. Providing a guarantor, however, will give banks and other lenders the kind of security they need to grant you the funding that you are looking for.

500 Loan Over 12 Months For Bad Credit

If you have bad credit, then taking out a 500 loan over 12 months with a guarantor is an ideal option. You could be faced with an emergency situation that demands you to take out a 500-pound loan but you cannot qualify because of your poor credit score. You can easily enjoy the financing that you need if you find someone to guarantee your loan.

In the end, the loan is all about trust and integrity. When a guarantor agrees to co-sign your loan deal, the person trusts you to make the proper repayments that you have agreed with your lender. If you fail to make your repayments, the guarantor will be forced to cover it and this is something that you want to avoid at all costs if you don’t want to risk the relationship that you share with your guarantor.

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.