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Loans guaranteed by a guarantor

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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

Guaranteed Guarantor Loans

Let's be clear - no loan can ever be guaranteed, not even those using a guarantor. Your personal circumstances will always determine whether a lender feels they can extend credit to you. However, all other things being equal you are more likely to be able to get a loan if you are able to provide an acceptable guarantor than if you can't.

So we're not talking so much a "guaranteed guarantor loan" but more of a "much better chance of getting a loan" loan.

A more likely loan because:

  • Your guarantor provides reassurance to the lender.
  • Less importance is placed on a credit score.
  • Your guarantor does not need to own their home - so you have a wider choice of people.
  • You should find the APR% more reasonable than for bad credit loans without a guarantor.

Bad Credit Guaranteed Loans

So, you have bad credit and you really need a loan. Knowing now that no loan can be guaranteed the best thing to do is follow the path that will maximise your chance of getting a loan.

Lending is all about risk. If you have a bad credit history then a lender is likely to see you as a bad risk unless you can offer something in return. One of these cases could satisfy a lender:

  • you are able to provide a guarantor who will guarantee your loan repayments if you can't make them on time, or...
  • you are able to afford to pay a high APR% to offset the risk

We always find it remarkable that a lender would expect someone with credit problems to pay so much more for their loan - it just seems wrong.

Your best bet is to find a person to guarantee to step in should you struggle to meet the repayments - i.e. a guarantor. And a guarantor loan is the type of loan to apply for in this case. The representative APR is 39.9% compared to 70+% for those bad credit loans that don't need a guarantor!

Direct Lenders for Loans that are Guaranteed

People often want to go direct to lenders because they think it will save them money. However, there really is no need to do this. This is because:

  • We don't charge for our matching service - there are no fees
  • Lender's deals through us are exactly the same if you were to go direct!
  • Nothing we might earn from a lender is added to your loan amount
  • Going through us will save you loads of time:
    • We deal with virtually all the UK's direct guarantor lenders
    • With just one enquiry we can tell you which lenders will make you a loan offer - so you save lost of time by not making lots of separate enquiries.

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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