Low APR Guarantor Loans

  • Rates start at 19.9%APR
  • Representative 39.9% APR
  • Apply for £1000 – £20000
  • Non-Homeowner Guarantors
  • Get 3-4 offers in 60 seconds
  • No Fees or Obligation
bald young man in grey short smiling

Cheap Guarantor Loans

A guarantor loan is likely to be a cheaper way to borrow than other forms of unsecured loan if you have a poor credit rating. Being able to offer a guarantor tells the lender that people trust you. And with this support from friends or family comes lower borrowing rates.

We have access to the cheapest loans in the guarantor market – rates as low as 19.9% APR. Loans start at £1,000 and go up to £20,000.


More about Guarantor Loans

Low Rates, Low Repayments

Get My Quotes

Rates Lower than other Bad Credit Loans

Most standard bad credit personal loans over £1,000 have representative APRs in the region of 70%. Providing a guarantor for your loan can reduce the representative APR to between 40% and 50% (varies by lender).

The precise APR you will get depends on a number of things:

  • The loan amount
  • Whether your guarantor is a homeowner or a non-homeowner
  • The duration of your loan
  • The lender

Rates can be as low as 19.9%. This would be for a large loan where both you and your guarantor are homeowners.

What Could Your Loan Cost?

This table shows an approximation of the monthly repayments that would be due based on the representative APR%, the loan value and the loan repayment period.


Approx Monthly Repayments at
Representative 39.9% APR*
Example Loan Value:
Months: £2,000 £4,000 £6,000 £8,000
24 122 244 366 489
36 96 192 288 384
48 84 168 252 336
60 77 155 232 309
Representative Example: Borrow £3000 over 36 months, repay £144.16 per month. Total repayable £5,189.76. Rate of Interest 34.05%. Representative APR 39.9% fixed.

As with all loans you can reduce the total cost of borrowing by repaying your loan as quickly as you can – though this may make your repayments larger in the short term. You need to balance the total cost of borrowing against your monthly household budget and what you can afford to repay.

Find A Low-Interest Guarantor Loan

£1,000 to £20,000 Loans – over 12 to 84 months

The Representative APR for this type of loan provided by our panel of lenders is 39.9%. In simple terms, this means that in at least 51% of the cases the borrower gets this interest rate or lower.

This APR is lower than most other lenders who specialise in providing unsecured credit to those with imperfect credit because of the presence of the loan guarantor.

Keep in mind that each of our lenders offers different rates, and some offer lower rates for larger loan amounts. Rates may also be lower if your guarantor is a homeowner rather than a non-homeowner. Our cheapest guarantor loan rate is 19.9% APR.

So, it always makes sense to get personalised quotations from the lenders – in which case complete our online enquiry form. We can tell you instantly which lenders will lend in principle and their representative APR%. On average you should expect to receive 3-4 loan offers that you can compare.

We don’t charge fees for our service, and the deals you get will be the same as going direct.

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


rating starrating starrating starrating starrating star

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

GET A QUOTE apply now

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

Written/Reviewed by: Amanda Gillam

rotating loading icon
arrow to return to top