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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

Low APR Loans

We have two types of these loans which have different maximum loan values and repayment terms - their APR% differ accordingly. See the estimated repayment tables below:

  • Loans £500 to £15,000 / max 5 years - more info
  • Loans £100 to £750 / max 2 years - more info
We have access to the cheapest loans in this market.

Low Rates, Low Repayments

  • Bad credit OK
  • Rates start at 29.9% APR for loans over £500
  • Representative 39.9% APR
  • Short term & Longer term loan options

Rates Lower than other Bad Credit Loans

Most standard bad credit personal loans over £500 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 29.9%.

£500 to £15,000 Loans - 12 to 60 month loan periods

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.

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

Keep in mind that our different lenders offer different rates, and some lenders offer lower rates for larger loan amounts. Rates may also be lower if your guarantor is a homeowner rather than a non-homeowner. So, it always makes sense to get personalised quotations from the lenders - in which case complete our online enquiry form. It will cost you nothing and you will instantly see which lenders will lend to you in principle.

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

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, pay back £134.10 per month. Total repayable £4827.60. 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.

£100 to £750 Loans - for 6 months to 24 months

These lower value loans could be a good alternative to an instalment loan or payday loan. The representative APR varies depending on loan period - from 842% over a 6 month period to 304% over a 24 month period.

The table below shows approximate total repayment costs for different loan amounts over different time periods - to get an exact quotation you should fill in our online enquiry form.

Approx Total Repayments for various
loan values over various periods
  Example Loan Value:  
Months: £100 £250 £500 £750
6 175 437 874 1311
12 198 496 991 1487
24 301 753 1507 2260

Representative Example: Borrow £500 over 12 months, pay back £82.60 per month. Total repayable £991.20. Interest rate 150%. Representative APR 347% variable.

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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