Our Direct Lenders

  • Multiple Loan Options
  • Apply for £1,000 – £20,000
  • No Fees or Charges
  • Same Deals as Direct
  • Credit Problems OK
  • Non-Homeowner Guarantors
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A Choice of Guarantor Lenders

Our free search service is the fastest way to contact and compare all guarantor loan lenders. As a specialist broker we’ll give you the best chance of getting you the loan you need.

We work with all the well-known names as well as those who you probably haven’t heard of. However, all these lenders are highly reputable and fully regulated the FCA.

Compare Loans with a Guarantor

Find Your Best Loan Options:

  • Fast, FREE enquiry service
  • Typically 3-4 loan offers (in principle)
  • Loans up to £20,000
  • Compare direct lenders
  • Rates start at 19.9% APR
  • Representative 39.9% APR

Get Your Quotes Now!

One Stop Shop for Guarantor Loans

The good news is that when you apply through Solution Loans you do not need to shop around. Our direct lender panel includes all the very best guarantor loan lenders in the UK. As we don’t charge fees you know that a guarantor loan through Solution Loans is the same deal as going direct – and a greater chance of getting the loan you want.

Over the long term we have typically been able to find an applicant 3 or 4 lenders who say they can help in principle.

Compare Direct Lenders

The APR you are charged depends on many factors as diverse as the size of the loan you want, whether your guarantor owns their home or not, and the period over which you want to borrow, etc.

It is impossible for us to give you a precise quote at this stage as there are too many unknowns. The APRs in fact range from 19.9% to 79.9%. However, the Representative APR across all our lenders is 39.9%.


Direct Lender Max Loan £ Rep. APR%
UK Credit logo 20,000 29.9% Info
Trust Two logo 15,000 37.9% Info
TFS Loans logo 15,000 44.9% Info
1Plus1 logo 10,000 47.8% Info
Guarantor My Loan logo 10,000 48.9% Info
George Banco logo 15,000 49.7% Info
Amigo Loans logo 10,000 49.9% Info
Buddy Loans logo 10,000 49.9% Info

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Instant Decision in Principle

Making an enquiry through Solutions Loans means our online system will find out which of our large panel of guarantor loan lenders will lend to you in principle. You’ll get an instant decision and you’ll be able to compare deals before you confirm you want to proceed. This way you can be sure you’ve got the best deal.


Number of Lenders Increasing

As guarantor loans are becoming increasingly popular there are ever-increasing numbers of guarantor loan lenders. At Solution Loans, we like to make sure we only deal with the most reputable, responsible and properly regulated lenders.

When applying through us you can rest assured that you’ve got the best choice of direct lenders available to apply to.


Apply to our Lender Panel Today

Submit an application today and we will tell you which lenders think they can lend to you in principle. Using our FREE enquiry service you know you’re dealing with only the top-notch guarantor loan lenders:

  • Instant decision
  • No upfront fees
  • Bad credit history welcome
  • Funds within 24 hours
  • The same deals as going direct to guarantor lenders

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.

Guarantor Lender FAQs

How can I get the lowest cost guarantor loan?

You will get the lowest cost guarantor loan by using our free search service. A single enquiry through our system is like making separate enquiries to all UK lenders at the same time. Our lenders tell us if they can help in principle and then we list those lenders for you – you won’t waste time going to lenders who can’t help. We’ll show you their representative APRs as a guide. Most lenders use a flat rate – i.e. all loans cost the same regardless of the amount you borrow. But some lenders do discount rates for larger loan amounts. We’ll show you who these lenders are.

How do I choose between guarantor lenders?

It will depend on what really matters most to you – the interest rate for instance or the maximum loan amount. Perhaps the fact that some lenders will only accept guarantors who own their homes will be particularly important. Reputation also matters and each of our lender pages will show you the ratings given by borrowers and applicants who have gone before. Everything you need to know is on our website. But the first step is to find out which lenders are prepared to lend to you – and that’s where we come in. Simply complete the enquiry form and leave the rest to us – by telling us how much you want to borrow, how long for and if you think your guarantor is likely to own their home or not we can tell you which lenders you should consider. The deals you get through us are the same as if you went direct. And it will cost you nothing to find out.

How do I apply to my chosen lenders?

So, you’ve used us to find your loan offers. We’ll list these for you with details of the loans available by lender. You can then compare them and choose one or more that interest you most. Simply click through from the table to proceed to those lenders to get your formal loan quotations. Then complete and submit the application to get your loan.

Are guarantor lenders reputable? Can I trust them?

Just as with all other forms of consumer credit guarantor loans and guarantor lenders must be authorised and regulated by the Financial Conduct Authority (FCA). In fact as a broker we are also authorised and regulated by the FCA. We all have to abide by strict rules and are required to treat all customers fairly. So, although you may think guarantor-based lending is new you should be reassured that the standards are as high with this form of lending as with any other. As a further level of reassurance all our lender pages display the ratings of lenders provided by TrustPilot and Feefo.

Are there lenders who will accept a non-homeowner guarantor?

A growing proportion of our lenders will consider non-homeowners as guarantors. Some even have guarantor loan products specifically designed for this situation. Our loan finding service takes this into account. When you complete your enquiry you simply specify whether you think your guarantor is likely to be a non-homeowner or a homeowner and we’ll do the rest.

I want the cheapest guarantor loan available. Can you help?

Yes. Our loan finding system will match you to lenders who believe they can lend in principle. We’ll list these lenders for you and you’ll see from the list which lenders are likely to the cheapest given your own requirements.

Who are the alternative lenders to Amigo Loans?

Amigo’s ever-present advertising might make you think there aren’t any other lenders. However there around ten guarantor lenders in the UK and we work with all the bigger names and some of the smaller ones too. This is where our enquiry service comes in – just one enquiry via us and you’ll get a list of lenders who will lend in principle. There should be a number of lenders like Amigo Loans for you to choose from.

I want the same deals as going direct to lenders. Can you help?

Yes. The key features of our enquiry service:

  • there’s no charge; our service is free
  • the deals we have with lenders are the same as going direct
  • you will save yourself loads of time. A single enquiry via us will mean you get a list of lenders who will lend in principle; you won’t be bothered by lenders who have no interest in lending


  • 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

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

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