Guarantor Loans

Build your credit rating

Looking for a great guarantor loan? Kick start the process by completing this form.

What types of guarantor loan are available?


  • Guarantor Loans are available up to £10,000 over terms of up to 5 years
  • Guarantors must be aged 21-75 have good credit history and, if the loan is more than £6,000, must be a homeowner    
  • Loans have no upfront fees and can be paid off early without charge 
  • You must be over 18 years of age and earning an income in the UK

Are you looking for a Guarantor Loan?

We just need a few simple questions answered to set-up your application form.

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Frequently Asked Questions


I have bad credit, can I get a Guarantor Loan?    

Yes, in most cases you can and a Guarantor is ideal for you to help you rebuild your credit score. However, if your credit rating is very poor then maybe not.

I've never had credit before so I don't know what my credit record is like, can I still get a Guarantor Loan?    

Yes. A Guarantor Loan is suitable for people who haven’t yet built up a credit record.

My Guarantor is not a home owner, can i still get a Guarantor Loan?    

No, you can still get a Guarantor Loan of up to £6,000

My Guarantor has poor credit, is that a problem?    

Yes. This probably means you will not qualify for a loan. Your Guarantor must pass a credit check

My Guarantor is a family member, is that ok?    

Yes. As long as it’s not your partner/spouse it can be anyone including family members.

How long does the process take?    

As the process is largely online, you can have the loan within 24 hours

Can I repay early?    

Yes, there is no penalty to do this.

Applying for a guarantor loan

Applying for a Guarantor Loans can be a fast, easy process with the right support and guidance. Below are listed the things you need in order to apply.

  • Eligibility Criteria You must be over 18, earning an income and have a guarantor aged 25-72 with clean credit. Your guarantor must be earning an income sufficient to cover your loan repayments payments if you are unable to do so. The guarantor cannot be your partner or spouse but can be a family member or friend. 
  • Documents Required Your details and your guarantor's details will be required in order to conduct credit checks. Proof of ID and proof of income will also be required from both parties. 
  • Additional Comments If your guarantor loan application is successful, you could receive a same day guarantor loan payout. The speed of your transaction will depend on your circumstances and your lender, but same day guarantor loans which take less than 24 hours are not unheard of.

If your credit history isn't perfect or if you've not made use of credit in the past, guarantor loans can be a good option. These loans provide access to finance for those with poor or non-existent credit ratings, as long as they have the support of a homeowner guarantor with good credit.

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