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

UK Credit Loans

UK Credit logo

Lender Snapshot

UK Credit offer a fast, professional & courteous service. Your guarantor can be either a homeowner or non-homeowner. Lowest APR is 31.9% for a homeowner guarantor, and 47.9% for a non-homeowner guarantor.

UK Credit: Loan Summary

Homeowner as Guarantor

Representative APRLoan Term (months)Loan Amount (£)Instant decisionE-signature available
31.9%18 – 6011,000 – 12,500yesyes
35.9%18 – 608,000 – 10,500yesyes
36.9%18 – 607,000 – 7,500yesyes
39.9%18 – 604,000 – 6,500yesyes
49.9%18 – 603,000 – 3,500yesyes
54.9%18 – 602,000 – 2,500yesyes
66.9%18 – 601,500yesyes
Representative Example: £4000 over 3 years, representative 39.9% APR fixed. Monthly payment £178.80. Annual interest rate 34.05% fixed. Interest payable £2436.80. Total repayable £6436.80.

UK Credit advert

Non-Homeowner as Guarantor

Representative APRLoan Term (months)Loan Amount (£)Instant decisionE-signature available
47.9%18 – 606,000yesyes
53.9%18 – 604,000 – 5,500yesyes
67.9%18 – 603,000 – 3,500yesyes
69.9%18 – 602,000 – 2,500yesyes
79.9%18 – 601,500yesyes
Representative Example: £3000 over 3 years, representative 67.9% APR fixed. Monthly payment £167.84. Annual interest rate 52.95% fixed. Interest payable £3042.24. Total repayable £6042.24.

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Lender Summary

UK Credit Loans, part of the Central Trust group, started providing guarantor loans in 2010. The team behind the business has years of experience providing both unsecured and secured loans. Their guarantor loans business is growing strongly. It recently extended its product range by launching an unsecured loan (£1000 to £6000) for people with guarantors who are non-homeowners.

UK Credit Loans provide a full e-signature application service via their website. So you can start you journey via our enquiry form and then complete the loan application process (including obtaining your guarantor’s consent) on their site with your loan payout happening swiftly afterwards. In other words you won’t have to complete any old-fashioned paperwork. They now offer a tiered interest rate that means those with better credit get a lower rate and those who perhaps would not have been able to receive a loan can now do so – albeit at a higher rate.


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.

User Ratings & Reviews
UK Credit Loans has a rating of 4.5 out of 5 based on 73 ratings & 4 user reviews.

Most recent customer review

UK Credit Loans ★★★★★

I got offers from both UK Credit Loans and Amigo Loans but the APR from UK Credit Loans was a bit lower. So I decided to use them. By the way I found the service really useful because I only had to fill one form in to find out which lenders would lend to me. Compare Guarantor Loans automatically sent me a link to UK Credit Loans and this allowed me to complete my application online. And I mean 100%. I didn’t need to send any documents to them. So it meant the service was really quick. I got my cash within 24 hours of making my application.

Review by: Nick B, Jul 16, 2013

Our opinion

There’s not a vast amount of coverage on the web about UK Credit Loans, but what there is is generally very positive. We’ve visited their offices and witnessed at first hand the lengths they go to help both applicants and guarantors complete their stages of the application process. Of course you can, if you wish, complete the entire process on line without any human intervention but it is good to know that they have a well trained team of service staff to help you if you need help. All in all a professional team with a very helpful attitude.

Regulatory Information
  • UK Credit Ltd is registered in England, number 6929807. Registered Address: St. Crispin’s House, Duke Street, Norwich, Norfolk, NR3 1PD
  • Correspondence Address – as per registered address above
  • Data Protection – registered with the Information Commissioner’s Office number Z2022318
  • Authorised and regulated by the Financial Conduct Authority, FRN 721556


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For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.

OUR REPUTATION Guarantor Loans


Our reputation is great. In fact we have scored 4.6 out of 5 based on 198 ratings & 31 user reviews for its guarantor loans service.


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Written/Reviewed by: Amanda Gillam