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Guarantor Loans £100 to £15,000

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Guarantor Loans

  • Apply for £100 - £15000
  • Credit Problems OK
  • Non-Homeowner Guarantors accepted
  • Multiple Loan Options
  • No Fees or Charges§
  • Can be paid within 24 hrs

guarantor loan iconGuarantor Loans £100 to £15,000

Beat your credit problem!

Beat your credit problem 12000 ignore your credit score

Guarantor Loans could enable you to get an unsecured loan of £100 to £15,000 even if you have a poor credit history. If you provide a guarantor then there is much less reliance put on your credit score.

Loans with a guarantor are very popular because you could borrow between £100 and £15,000 by having a close friend or family member support your application by becoming the loan guarantor. Sometimes (but incorrectly) called guaranteed loans it is now possible to borrow smaller cash sums of £100 to £750 for short time periods and £500 to £15,000 for longer periods - a guarantor loan is much cheaper and more flexible than some other forms of bad credit loans.

Loans from £100 to £15,000 Poor Credit rating welcome
Can be paid within 24 hours Lessen Credit Score Impact
100% Free Service - No Fees Multiple loan options
Guarantor can be either homeowner or non-homeowner / tenant

Our no fees guarantor loans service will allow you to compare lenders and loans. That way you can choose the loan that you think is best for you.

You Could Consider a Guarantor Loan because...

  • Been refused credit - our lenders can accept enquiries that many others will not
  • Avoid credit score impact - you've had enough of your credit score affecting your borrowing
  • Poor credit rating - your credit rating is very poor or you don't have a credit history
  • Improve your credit rating - you want to improve your credit rating by getting a loan and then successfully repaying it
  • Cheaper short term cash loan - you want a short term cash loan at a lower cost than many instalment and payday loans.

There are 2 types of guarantor loans - £500 to £15,000 (longer term) or £100 to £750  (short term):

Guarantor Loans up to £15,000

  • Unsecured loans - loan is not secured on your assets (e.g. house, car, valuables)
  • Borrow from £500 to £15,000 (we do have lenders who offer larger unsecured personal loans if you don't mind your credit score being more influential)
  • Repayment periods of 1 to 5 years (12 to 60 months) - see estimates of loan repayments.
  • Credit scoring - some lenders don't credit score, and others put much less reliance on it - because you provide a guarantor.
  • Early repayment OK - no redemption penalties
  • Get your loan within 24 hours (subject to your guarantor being acceptable)
  • You can be a tenant or homeowner
  • Your guarantor can be a homeowner or non homeowner
  • Fast decision in principle - our online form will give you instant responses from all our lenders simultaneously! You can then compare loan offers and take the best deal.
  • FREE service - No fees or charges - you get the same rate as if you had gone direct. And there's no obligation.
  • Representative APR 39.9%

Guarantor Loans £100 to £750

Consider as an alternative to a payday loan.

  • Small cash loans for a short to medium period of time - 6 to 24 months
  • Borrow £100 to £750
  • Repay in instalments rather than in one lump sum.
  • Interest charged on a daily basis - repaying as swiftly as you can keeps the cost of the loan to a minimum.
  • Credit Scoring - less emphasis is placed on this because you provide a guarantor.
  • Get your cash within 2 hours - apply using our fully online service.
  • Instant, in principle decision given.
  • Your guarantor can be a non-homeowner (or a homeowner).
  • FREE service - No fees or charges - you get the same rate as if you had gone direct. And there's no obligation.
  • Representative APR 347% (12 month loan)


Warning: Late repayment can cause you serious money problems. For help, go to

More Information about Guarantor Loans

How does the Free Enquiry Service work?

Our no fees broking service helps you in a number of ways. It:

  1. Tells you which lenders will lend to you in principle
  2. Allows you to compare lenders to help you choose the best loan
  3. Means you can directly complete your application with your chosen lender(s).

Our technology talks to 99% of the UK's top guarantor loan lenders. When you complete our short enquiry form we immediately find out which lenders will lend to you in principle. On average you will get 4 loan offers giving you the chance of comparison. We tell you who they are, and give you links to enable you to immediately complete your loan. You save loads of time filling in lots of forms - and our service is completely FREE! You'll get the same rates as if you went direct. But this way you get more choice!

Our video explains how our service allows us to hunt down your loan - all you have to do is fill in one simple form!


Most of the guarantor lenders we deal with have a "no phone calls" policy so they won't call you until you have started to complete the application at their website [which of course you may not choose to do until later in the day]. However, all lenders are likely to email and text you to reassure you that they have received your enquiry safely and to tell you what to do next. Eventually any lender you proceed with will need to speak to you and your guarantor to ensure that they have all the information they need.
What is a Guarantor?

A Guarantor is simply a family member or close friend who trusts you enough to be prepared to back you when you apply for an unsecured loan. They guarantee to repay the loan if you default on repayments. Being a guarantor for someone is not something everyone will be prepared to do, but the principle of guarantors has been around for a long, long time (utility companies have used this method for decades).

If you believe you can get a guarantor then you should be able to get a loan  - it's that simple.

What does a Guarantor Loan cost?

For someone with a poor credit history an unsecured loan with a gaurantor is likely to offer a low APR / low rate compared to other specialist bad credit loans that don't require a guarantor. Depending on lender the representative APR for a guarantor loan is in the region of 26.9% to 54.9% which is quite a bit lower than the 70+% that are offered by other bad credit lenders.

Nobody is saying that 26.9% is a low interest rate nor that guarantor loans are cheap loans, but for someone who has an impaired credit status they may be the cheapest loans they can reasonably expect to qualify for.

As with all borrowing you need to make sure that you can afford the loan repayments and you do not simply make your financial position worse. You should expect any lender you apply to to request income and expenditure figures so that they can properly assess your loan's affordability.

Whose name is the loan in?

Although the loan is provided with a guarantor the loan is in your name - this also means that on successful repayment of your loan it is your credit rating that is improved, not the guarantor's.

I don't think I can find a Guarantor. What can I do?

If right now you don't think you could find a guarantor then consider this - over 10% of actual borrowers also initially thought they couldn't find a guarantor!! And, your guarantor does not have to own their home. But if you really don't think you will be able to find a guarantor then try our other unsecured loan service.

Do I have to find a Guarantor before I apply?

You don't have to find your guarantor before you apply. Our enquiry form does not require the information and our lenders can accept you in principle without a guarantor's details. However, we would recommend that you start to consider which family members or friends to approach. The sooner you sort this out the sooner you can complete your loan.

How fast can I get my loan?

We'd love to say thay you can always get your loan the same day. It is possible but it depends on numerous factors some of which are in your control and some of which are not. So, what can you do to maximise the chance of a same day payout:

  • Have your guarantor lined up before you apply
  • Make sure your guarantor satisfies the lender's typical criteria
  • Make sure your guarantor is fully aware of their obligations
  • Have your income and expenditure information to hand ready for the lender to see
  • Answer all requests from your lender promptly
What is a Guaranteed Loan?

The correct term for a loan with a Guarantor is a Guarantor Loan, although sometimes these are mistakenly called Guaranteed Loans. No loan is guaranteed as the lending decision will always include an assessment of the applicant's ability to repay; the so-called affordability check.

Responsible Lending

Please keep in mind that our lenders operate responsible lending policies and will only lend if they believe you are in a position to repay the loan.

Apply Today for a Guarantor Loan Online

Other Links & Resources

For even more information about Guarantor Loans online please see the following pages on our site:

Small Guarantor Loans £50 to £500

The great alternative to payday loans that costs much less and can be repaid over a longer timeframe to make the monthly repayments lower.

Large Guarantor Loans £500 to £15,000

We can provide you with a fast decision for our larger loans and there are no upfront fees.

Guarantor Loans lenders

More information on our lenders and getting you the very best deals.

Non Homeowner Guarantor Loans

If you have a guarantor who is not a homeowner there are still plenty of lenders available. Find out more.

Guarantor Loans £15000

Recently the maximum loan amount has been increased from £7500 to £10,000. Get more information here.

Guarantor Loans £5000

This is another common request and while a larger amount is available we do have a growing number of lenders who offer loans with a guarantor up to £5000.

FAQ section

You probably have many questions about guarantor loans. We've assembled answers to the most common ones for you.

We have plenty of other information available for you on our dedicated website:

By Amanda Gillam

Explainer video

About Guarantor Loans


Representative Example (Loans £500+)

Loan Amount


Monthly Repayment


Loan Term

36 mnths

Total Repayment


Rate of Interest


Representative APR


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