George Banco

  • Borrow £1,000 to £15,000
  • Representative 49.7% APR
  • Rates from 36.9%
  • No Fees
  • Same day payout
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George Banco logo

About George Banco

George Banco opened in 2014 on the back of the success of Amigo in the UK’s guarantor loan market. They very rapidly gathered momentum and are now a leading name in the industry. In 2017 they were acquired by Non-Standard Finance PLC and now sit alongside the TrustTwo brand. Their ratings and reviews are some of the best in the guarantor loans market.

Loan Summary:

Representative APR Loan Term (months) Loan Amount (£)
49.7% 12 – 60 1,000 – 15,000

They also offer standard unsecured loans of £1,000 to £5,000 for those whose credit score is fair to good. These don’t require a guarantor.

Lender Ratings: scores 4.9 out of 5 based on 6,500 reviews on TrustPilot. This score puts George Banco at the top end of the quality spectrum. Rate and review them now.

Compare George Banco to Others

For clarity here are the key differences of George to the “typical” or “average” guarantor loan lender:


  • The maximum loan size is £15,000 which is larger than many.
  • Their customer rating is the highest amongst its peers.
  • Their lowest APR is 36.9% which puts it in the middle of the pack.
  • They aim for a same day service.
  • They also offer a personal loan that does not require a guarantor.


  • Nothing of any significance.

GeorgeBanco’s representative APR is 49.7%. Their lowest rate is 36.9%, but we have lenders who offer guarantor loans starting at 19.9%. As a broker with access to multiple lenders, we may be able to find you loans like George Banco’s at a lower rate.

George Banco’s Representative Example

Borrow £3,500 for 36 months. Representative 49.7% APR fixed. Monthly payment £170.56. Interest payable £2,640.16. Total repayable £6,140.16.

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How to find George Banco

Office Address:

1st Floor, Epsom Court, White Horse Business Park, Trowbridge, BA14 0XF

Office Hours:

Mon – Fri: 09.00 – 17.00

Sat: 09.00 – 15.00

Important Links:

Company Information

Company Registration is a trading style of Everyday Lending Ltd, Secure Trust House, Boston Drive, Bourne End, Buckinghamshire, SL8 5YS. Company registration number 05850869.

FCA Registration

Everyday Lending Ltd is authorised and regulated by the Financial Conduct Authority with firm reference number 724445.

ICO Data Protection Registration

Everyday Lending Ltd is registered with Information Commissioner, registration number Z9591892.

News about George Banco

Click here for coverage of George Banco in our blog.


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.

FAQs about George Banco

Does George Banco need my guarantor to own their home?

No, there is no need for your guarantor to own their home.

Does George Banco charge a variable interest rate?

No, George Banco’s interest rate is fixed for the duration of the loan, which can be up to five years. This is good to know because it means you can budget with confidence. Even if general interest rates rise you won’t suffer from any increase in your monthly repayments.

What is's APR%?

George Banco is one of a number of guarantor lenders whose loans have different interest rates depending on the loan value. The rates range from 36.9% to 49.7%. Typically the more you borrow the lower the rate you will receive. It is not explicitly shown on their website the points at the loan rate reduces. Whatever rate you get will be fixed for the duration of your loan.  We have lenders on our panel who offer lower rate loans than George Banco. If this is of interest then apply here.

How do I repay George Banco?

Repayments are set up using a direct debit and paid on a monthly basis. The amount you repay will be specified by GeorgeBanco before you sign any agreement. While you can estimate your repayments using our calculator the GeorgeBanco APR is 49.7% rather than our representative 39.9% so be careful when looking at affordability. If your monthly payment fails then George Banco will always get in touch to help resolve the problem.

What if I can't repay my George Banco loan?

As with debt of any kind the first thing to do, if you are beginning to struggle with payments, is to contact George Banco. They are duty-bound to help look at alternative ways to ease your repayments and make them affordable. You do need to keep in mind though that you have signed an agreement with George Banco. If they cannot contact you then they will contact your guarantor to help settle your account.

How will being a guarantor for a GeorgeBanco loan affect me?

You will be credit checked before any documents are signed as George Banco need to know you are creditworthy. But once the agreement is signed and the borrower starts to make their monthly repayments you should hear nothing from GeorgeBanco. However, if the borrower is struggling to make payments and then fails to keep in touch with George Banco or defaults then you will be needed to step in. If you fail to help bring the loan up to date then this will be recorded on your credit file too.

Can my George Banco loan be paid off early?

Yes, George Banco allows partial or complete early repayment. You must provide either verbal or written notice. It is not clear if they charge any fees for doing this. So, if you should suddenly be able to pay off a chunk of your loan then that will save you further interest costs and reduce the overall cost of your loan. We’d always recommend doing this if you can afford it. But do make sure you are clear if fees for doing this could be triggered.

How fast can GeorgeBanco approve and payout my loan?

George Banco will usually contact you within 2 hours of receiving your completed application. Once your application is approved they aim to payout your loan within 24 hours. This will depend on what if any documentation is required and if your guarantor is accepted. Once your loan is approved the money is transferred to your guarantor’s account who then passes it to you. Money is paid via your guarantor as part of anti-fraud processes.

What's the best way for me to get a George Banco loan?

Well, George Banco is not the only lender in town. In fact, there are numerous UK guarantor lenders. Our free enquiry service can instantly tell you which of the many lenders we work with could lend to you in principle – and some of these other lenders can offer lower APRs than If you want to maximise your chances of a guarantor loan then use our enquiry service – no fees, and exactly the same deals as going direct!

Who can be my guarantor for a George Banco loan?

Typically you need to find someone who knows you well enough for them to trust you – this is a form of “trust-based” lending. So with this in mind your ideal guarantor is likely to be: Parents, Brothers & Sisters – Aunts & Uncles – Sons & Daughters – Grandparents – Boyfriend or Girlfriend – Work Colleagues & Friends. Typically lenders like are not prepared to accept guarantors who are already financially linked to the borrower. For example, if you have a spouse and own assets together (e.g. a house) or indeed have joint debts. Lenders may also reject guarantors if they have joint costs with you (e.g. you live together and share the payment of joint bills). It is worth noting that George Banco will allow your guarantor to have the same home address as you which means that spouses are possible guarantors.


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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.


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Written/Reviewed by: Amanda Gillam

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