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Banks Don’t Do Guarantor Loans

Many people search in the hope of finding a UK bank or building society that offers guarantor loans. But the fact is that guarantor loans remain a specialist product designed to cater for people with some form of credit problem.

As you’ve probably already discovered high street banks and building societies only want to concern themselves with people who have perfect credit histories.

There are 10 million people in the UK that high street banks & building societies will not lend to! But we have lenders who can.

Solution Loans is a no-fee broker specialising in guarantor loans and working with all the UK’s largest guarantor loan lenders. Use our free enquiry service to find the loan you need – the same deals as going direct!

Bank lending policies:

  • Banks have become highly conservative and risk-averse
  • They compete on price to serve only those people with the cleanest credit ratings
  • Personal loan rates continue to fall
  • People with credit problems are ill-served by UK banks

Let Us Help You

Do Barclays, Halifax or Santander offer Guarantor Loans?

The short answer is “no”, they don’t. And they won’t because they have no interest in helping people with credit problems. We’ve noticed that thousands of people search the web in the hope that they’ll find a bank or building society that offers a guarantor loan product. The banks that are most often searched for a guarantor loan are:


  • Alliance & Leicester (now part of Santander)
  • Bank of Scotland
  • Barclays
  • Clydesdale
  • First Direct
  • Halifax
  • HSBC
  • Lloyds
  • Nationwide
  • Natwest
  • RBS
  • Sainsbury’s
  • Santander
  • Tesco
  • TSB
  • Yorkshire Bank


If your bank or building society won’t lend to you then consider a guarantor loan from one of our lenders.


All about Guarantor Loans

Banks don't offer guarantor loans so what can I do?

To find a guarantor loan then you should use our free enquiry service. But to make sure that this is the right type of loan for your needs you should explore what a guarantor loan is.

Key things to know about our guarantor loans include:

Our panel of lenders is very extensive – in fact, we work with the majority of the UK’s lenders.


Typically when someone uses our service we’ll find them 4 loan offers! Something the banks simply can’t do.

Representative Example: Borrow £3,000 for 36 months. Repay £144.16 per month. Interest payable £2,189.76. Total repayable £5,189.76.

Guarantor Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.


  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.

OUR REPUTATION Guarantor Loans


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Our reputation is great. In fact we have scored 4.6 out of 5 based on 198 ratings & 31 user reviews for our guarantor loans service.


FIND A LOAN find a loan now

Answer 4 quick questions and we’ll tell you what kinds of credit may be available to you

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Use our quick, simple & secure enquiry form to get a quote now. Compare deals & complete your application.

Written/Reviewed by: Amanda Gillam

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