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Borrow £100 to £15,000 with bad credit

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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 with a close friend or family member guaranteeing your loan repayments. If you have bad credit you will probably find a guarantor loan is much cheaper and more flexible than some other forms of bad credit borrowing.

Borrow £100 to £15,000

Amounts over £500 are available for any period from 12 to 60 months. A sum of £500 or less is short term credit available for 6 to 24 months. If your guarantor is a homeowner you can borrow over £7500.

Poor Credit rating welcome

Guarantor loans are specifically designed for people who want an unsecured loan but who have some form of credit problem - CCJs, arrears, defaults, etc.

Multiple loan options 

When you make your enquiry we approach our extensive panel of lenders. Within 40 seconds we will tell you which will lend to you in principle. On average our applicants get 3-4 LOAN OFFERS, but you could get more. You can then choose which lenders to follow up or choose none of them. Generally you can complete your loans 100% online from here.

Lessen Credit Score Impact 

Having a guarantor means lenders normally won't use a credit score to judge you. They will still credit check you for identity and anti-fraud reasons,

Can be paid within 24 hours 

With our lenders we have built a smooth online process. Our enquiry form will instantly tell you which lenders will lend. You then choose your preferred lender and continue to their website to complete your application. The process is 100% online all the way to signature. Assuming your guarantor is acceptable your lender could payout the same day.

100% Free Service - No Fees

We DON'T charge any fees for your enquiry nor if you complete your loan. We might earn a commission from the lender, but this is NOT added to your loan. The deal you get from the lender this way will be exactly the same as going direct!

Guarantor can be either homeowner or non-homeowner/tenant

For sums up to £7500 your guarantor does not need to own their home. But if you want to borrow more than this then they will need to be a homeowner.

You Could Consider Loans with Guarantor 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 small cash loans - you want a short term cash loan at a lower cost than many instalment and payday loans.

Our no fees enquiry service will allow you to compare lenders' offers. Typically people who use our free service will receive 3 to 4 loan offers (in principle). And the deals are the same as going direct! You'll save time and will be able to quickly choose the loan that you think is best for you.

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

Guarantor Loans up to £15,000

  • Unsecured loans - it is not secured on any assets (e.g. house, car, jewellery)
  • Borrow from £500 to £15,000 (we have lenders who offer larger unsecured personal loans but your credit score is much more important)
  • Repayment periods of 1 to 5 years (12 to 60 months) - see estimates of loan repayments.
  • Less credit scoring - some lenders don't credit score, and others put much less reliance on it - because you provide a guarantor.
  • 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
  • Instant 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 going direct. And there's no obligation.
  • Representative APR 39.9% (with rates from 29.9% APR)

How to Obtain Guarantor Loans

These are the steps to take to get a guarantor loan online:

  1. Make your enquiry using our simple form - it's free, and you don't have to specify who will guarantee your loan
  2. We'll instantly tell you online which of our broad panel of lenders will lend in principle (no phone calls from us!)
  3. Immediately compare their offers and choose the lender(s) that interests you
  4. Click through to their website and complete the application - right through to e-signature.
  5. At this stage you'll need to provide your guarantor's details and get them to co-sign the agreement
  6. Within 24 hours it is perfectly possible to get your loan paid out.

Guarantor Loans for a Bad Credit History

A guarantor loan could be ideal if you have bad credit and need an unsecured loan. The basic idea of this type of borrowing is simple - if you want lenders to ignore a historical credit issue and give you access to an unsecured loan of up to £15,000 then you need to provide an acceptable guarantor. This is someone who trusts you to repay your loan but could step in and help you out if you had a problem meeting a repayment.

What a loan with a guarantor does is break the link between your credit past and your credit future. As less reliance is put on credit scoring (in most situations) whether or not you can borrow depends more on your ability to:

  • afford the monthly loan repayments
  • obtain an acceptable guarantor

Think of the arrangement as swapping the impact of a credit score with the need for someone to guarantee your repayments. So, if you are one of the millions of people in the UK who have a poor credit history then a guarantor loan could help you. We work with 99% of all the UK's respected lenders and our free enquiry service means you can very quickly discover which of them can help you.

Instant Decision with Same Day Payout

Our fast application process means that within 2 minutes you'll know which lenders will consider lending to you! With this instant decision you can then complete online your application with your chosen lender. If you have your guarantor in place and they are acceptable to the lender then a same day payout is perfectly possible,

More Information about Loans with Guarantor

How does the Free Enquiry Service work?

Our no fees broking service helps you by:

  1. Telling you which lenders will lend to you in principle
  2. Allowing you to compare lenders to help you choose the best loan
  3. Transfering you to 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 to compare.

We tell you who these lenders are and what they are offering, 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!

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 someone to guarantee your loan then you should be able to get one  - it's that simple.

What does a Guarantor Loan cost?

For someone with a poor credit history an unsecured loan with a guarantor is likely to offer a low APR / low rate compared to other forms of bad credit borrowing that don't require one. Depending on lender the representative APR for this type of 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, but for someone who has an impaired credit status they may be the cheapest type of credit 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 one! And, they don't have to own their home. But if you really don't think you will be able to find a guarantor then consider a bad credit personal loan.

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 they satisfy the lender's typical criteria
  • Make sure they are 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.

Explainer video

£100 to £750 cash loans with a guarantor

Consider as an alternative to a payday loan.

  • Small cash amounts 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

Representative Example: Borrow

| 36 repayments of £134.10 | Interest rate 34.05% fixed | Interest payable £ £1827.60 | Total repayable £4827.60 | Representative APR

About Guarantor Loans


Representative Example (Borrowing £500+)

Loan Amount


Monthly Repayment


Loan Term

36 mnths

Total Repayment


Rate of Interest


Representative APR


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