Financial Help at Hand

Guarantor Loans £100 to £15,000

If your friends & family trust you then our lenders could too!

Apply Now

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 Loans

Lender Snapshot

UK Credit offer a fast, professional & courteous service. Your guarantor can be either a homeowner or non-homeowner. Lowest APR is 39.9% for a homeowner guarantor, and 59.9% for a non-homeowner guarantor.

Find Your Best Loan Options:

  • Fast, FREE enquiry service
  • Multiple Lenders
  • Get 3-4 loan offers (in principle) typically
  • Same Deals as Direct
  • Save Time

UK Credit: Loan Summary

Homeowner as Guarantor

Representative APR Loan Term (months) Loan Amount (£) Instant decision E-signature available

12 - 60
(min/max depend on loan value)

3,000 - 10,000 tick-circle-blue.png tick-circle-blue.png
47.9% 12 - 36  1,000 - 2,999 tick-circle-blue.png tick-circle-blue.png

Representative Example: £2000 over 2 years, representative 47.9% APR fixed. Monthly payment £122.14. Annual interest rate 39.78% fixed. Interest payable £931.36. Total repayable £2931.36.

UK Credit 428x60.gif

Non-Homeowner as Guarantor

Representative APR Loan Term (months) Loan Amount (£) Instant decision E-signature available
59.9% 12 - 60
(min/max depends on loan value)
3,000 - 6,000 tick-circle-blue.png tick-circle-blue.png
69.9% 12 - 36 1,000 - 2,999 tick-circle-blue.png tick-circle-blue.png
Representative Example: £2000 over 2 years, representative 69.9% APR fixed. Monthly payment £138.19. Annual interest rate 54.19% fixed. Interest payable £1316.56. Total repayable £3316.56.

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.

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

About Guarantor Loans

Apply Now!

When you apply we will tell you which guarantor loan lenders can help you in principle. There is likely to be a choice.

Our deals are the same as going direct. No Fees. No obligation.

No Fees Broking Service

Answer 4 quick questions to discover your loan options.

Find Loan Now

Our Promises

  • No Fees or Charges
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


Online Service

When it comes to getting you your guarantor loan our online service is second to none. In fact has scored 4.6 out of 5 based on 198 ratings & 31 user reviews for its guarantor loans service.

Used our website? Write your review now.