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Guarantor loans from a bank

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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

Banks & Building Societies

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. But there are millions of the UK population with one credit problem of another - perhaps 10 million or more!

Banks' 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

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 who 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

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

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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