The Number One Guarantor Loans

Comparison Website

A guarantor loan is an unsecured loan where the borrower nominates someone else to make payments if they are unable to.

As this lowers the risk for default for lenders, it may increase your chances of approval if you have bad credit.

How much would you like to borrow? £3,000

How long for? 3 year

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Compare Guarantor Loans

Borrow up to £15,000* with the help of a guarantor to co-sign your loan agreement. Guarantor Loans offers a simple comparison table below where you can click on the lender of your choice. To apply, you will be required to fill in some information about yourself and your guarantor. Provided your application is successful, you can receive funds in one lump sum within 24 to 48 hours of approval.

Guarantor Loans is a licensed credit broker and not a lender. We allow potential borrowers to compare guarantor loans in the UK from a number of leading providers using the Representative APR, maximum loan amount and loan term. Our site is completely free for customers to use and all you have to do is select the lender of your choice and click on ‘Check Eligibility.'

Our Lenders
Buddy Loans Guarantor Loan
Loan Amount: £1,000 to £10,000
Loan Term: 1 to 5 years
Guarantor Type: Tenant
Early Settlement Fees: None
Representative Example
Credit £3,250 for 36 months | Interest (fixed at 41.16%): £2,464.57 | Total amount payable of £5,714.67 | 36 repayments of: £158.57 | Representative 49.9% APR
Your Loan with Buddy Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 49.9%
Representative Example
Credit £3,250 for 36 months |
Interest (fixed at 41.16%): £2,464.57 |
Total amount payable of £5,714.67 |
36 repayments of: £158.57 | Representative 49.9% APR
TFS Loans Guarantor Loan
Loan Amount: £1,000 to £15,000
Loan Term: 1 to 5 years
Guarantor Type: Home owner
Early Settlement Fees: None
Representative Example
Credit £5,000 for 36 months | Interest (fixed at 54.22%): £3,049.60 | Total amount payable of £8,049.60 | 36 repayments of: £223.60 | Representative 39.9% APR
Your Loan with TFS Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 39.9%
Representative Example
Credit £5,000 for 36 months |
Interest (fixed at 54.22%): £3,049.60 |
Total amount payable of £8,049.60 |
36 repayments of: £223.60 | Representative 39.9% APR
TFS Loans Guarantor Loan
Loan Amount: £1,000 to £15,000
Loan Term: 1 to 5 years
Guarantor Type: Home owner
Early Settlement Fees: None
Representative Example
Credit £5,000 for 36 months | Interest (fixed at 54.22%): £3,049.60 | Total amount payable of £8,049.60 | 36 repayments of: £223.60 | Representative 39.9% APR
Your Loan with TFS Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 39.9%
Representative Example
Credit £5,000 for 36 months |
Interest (fixed at 54.22%): £3,049.60 |
Total amount payable of £8,049.60 |
36 repayments of: £223.60 | Representative 39.9% APR
TFS Loans Guarantor Loan
Loan Amount: £1,000 to £15,000
Loan Term: 1 to 5 years
Guarantor Type: Home owner
Early Settlement Fees: None
Representative Example
Credit £5,000 for 36 months | Interest (fixed at 54.22%): £3,049.60 | Total amount payable of £8,049.60 | 36 repayments of: £223.60 | Representative 39.9% APR
Your Loan with TFS Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 39.9%
Representative Example
Credit £5,000 for 36 months |
Interest (fixed at 54.22%): £3,049.60 |
Total amount payable of £8,049.60 |
36 repayments of: £223.60 | Representative 39.9% APR
TrustTwo Loans Guarantor Loan
Loan Amount: £1,000 to £8,000
Loan Term: 1 to 5 years
Guarantor Type: Home owner
Early Settlement Fees: None
Representative Example
Credit £4,000 for 36 months | Interest (fixed at 40.9%): £3,003.80 | Total amount payable of £70,380.00 | 36 repayments of: £194.55 | Representative 49.5% APR
Your Loan with TrustTwo Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 49.5%
Representative Example
Credit £4,000 for 36 months |
Interest (fixed at 40.9%): £3,003.80 |
Total amount payable of £70,380.00 |
36 repayments of: £194.55 | Representative 49.5% APR
Amigo Loans Guarantor Loan
Loan Amount: £500 to £10,000
Loan Term: 1 to 5 years
Guarantor Type: Home owner
Early Settlement Fees: None
Representative Example
Credit £3,500 for 36 months | Interest (fixed at 41.16%): £2,647.36 | Total amount payable of £6,147.36 | 36 repayments of: £170.76 | Representative 49.9% APR
Your Loan with Amigo Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 49.9%
Representative Example
Credit £3,500 for 36 months |
Interest (fixed at 41.16%): £2,647.36 |
Total amount payable of £6,147.36 |
36 repayments of: £170.76 | Representative 49.9% APR
UK Credit Guarantor Loan
Loan Amount: £1,500 to £12,500
Loan Term: 1.5 to 5 years
Guarantor Type: Tenant
Early Settlement Fees: None
Representative Example
Credit £6,000 for 60 months | Interest (fixed at 39.78%): £7,897.80 | Total amount payable of £13,897.80 | 60 repayments of: £231.63 | Representative 47.9% APR
Your Loan with UK Credit
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 47.9%
Representative Example
Credit £6,000 for 60 months |
Interest (fixed at 39.78%): £7,897.80 |
Total amount payable of £13,897.80 |
60 repayments of: £231.63 | Representative 47.9% APR
1Plus1 Loans Guarantor Loan
Loan Amount: £500 to £10,000
Loan Term: 1 to 5 years
Guarantor Type: Home owner
Early Settlement Fees: None
Representative Example
Credit £3,000 for 36 months | Interest (fixed at 39.7%): £2,178.24 | Total amount payable of £5,178.24 | 36 repayments of: £143.84 | Representative 47.8% APR
Your Loan with 1Plus1 Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 47.8%
Representative Example
Credit £3,000 for 36 months |
Interest (fixed at 39.7%): £2,178.24 |
Total amount payable of £5,178.24 |
36 repayments of: £143.84 | Representative 47.8% APR
George Banco Loans Guarantor Loan
Loan Amount: £500 to £10,000
Loan Term: 1 to 5 years
Guarantor Type: Tenant
Early Settlement Fees: None
Representative Example
Credit £3,500 for 36 months | Interest (fixed at 41.4%): £2,640.16 | Total amount payable of £6,140.16 | 36 repayments of: £170.56 | Representative 49.7% APR
Your Loan with George Banco Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 49.7%
Representative Example
Credit £3,500 for 36 months |
Interest (fixed at 41.4%): £2,640.16 |
Total amount payable of £6,140.16 |
36 repayments of: £170.56 | Representative 49.7% APR
Bamboo Loans Guarantor Loan
Loan Amount: £1,000 to £8,000
Loan Term: 1 to 5 years
Guarantor Type: Tenant
Early Settlement Fees: None
Representative Example
Credit £2,600 for 36 months | Interest (fixed at 41%): £1,957.89 | Total amount payable of £4,557.89 | 36 repayments of: £126.54 | Representative 49.7% APR
Your Loan with Bamboo Loans
Your mMonthly repayment: 
£---- p/m
You want to borrow: £----
Over a period of: -- months
Total repayable: £----
Interest rate: ----% (fixed)
Representative APR: 49.7%
Representative Example
Credit £2,600 for 36 months |
Interest (fixed at 41%): £1,957.89 |
Total amount payable of £4,557.89 |
36 repayments of: £126.54 | Representative 49.7% APR

Frequently Asked Questions

Choosing the right person to be your guarantor is essential to increase the chances of your loan being approved. From the lender’s point of view, having a guarantor with a good credit rating adds a lot of credibility to your application. If your chosen guarantor has a good credit history and trusts you enough to guarantee your loan, then the lender feels they can trust you too.

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We understand that one’s financial circumstances can change and they might not be able to make their repayment at the end of the month. Whether there is an urgent expense or a loss of income, it helps to know what will happen if you cannot repay so that you aren’t charged extra fees and your credit score isn’t affected. The idea of guarantor loans is that if you cannot repay, your guarantor should be able to pay on your behalf. However, the lender will always contact the main borrower first before requesting funds from the guarantor.

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Once you have selected a guarantor lender of your choice and applied through their website, your application will undergo a series of checks to determine whether you are right for a guarantor loan and how much you can borrow. When applying for a guarantor loan, it is not just the main borrower that is assessed during the application but also the guarantor. This is typically a family member or friend who agrees to be part of the loan agreement and is willing to pay the balance if the main borrower cannot.

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We feature a list of guarantor lenders on our website that allow you to borrow between £500 to £15,000 and repay in monthly instalments for up to 5 years (60 months). Most applicants will try borrow as much as they can, however, the lender will need to run a number of checks to assess whether you are eligible for a loan and the right amount for you to borrow.

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By repaying your guarantor loan on time, you can improve your credit score. Every time you make a monthly repayment, the information is sent from your lender to the credit reference agencies that they work with such as Experian, CallCredit and Equifax. So if you make your payments on time, the information is automatically updated to you credit file and your score will improve.

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A guarantor loan is a type of unsecured personal loan. It's where someone the borrower knows acts as a guarantor, sponsoring the loan and making any payments the borrower can't.

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No. Guarantorloans.com is a guarantor loan broker and therefore not a direct lender. All the companies we feature on our site offer guarantor loans direct lenders.

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Guarantorloans.com is a comparison website for guarantor loans and an introducer for guarantor loan lenders. We provide access to our best deals based on your circumstances and preferences. Simply order your search of our lenders by representative APR, maximum loan amount or maximum loan term. Once you have chosen a lender, click ‘see deal’ and you will be taken through to the lender’s website where you can apply for the guarantor loan.

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Guarantorloans.com will provide a comparison of some of the top guarantor loan lenders in the UK and act as an introducer to their products and services. We will endeavour to introduce you to the lender which is best suited to you; however, due to the criteria requirements of some of the lenders, this is not always possible and you may find the lender you have chosen from our comparison table is not suitable for you.

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It’s easy and straightforward. Take a look at our comparison table of lenders and sort by maximum loan amount, maximum loan term or representative APR, and once you have chosen a lender with the best criteria for you, click ‘apply now.’

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Submitting the application form on the lender’s sites usually takes a matter of minutes to complete and submit. However, because a guarantor loan requires a co-signature to guarantee the loan, the actual completion and receipt of funds may take longer (1-3 working days on average), as the lender will usually need to speak to yourself and your guarantor in order to verify details and then approve the loan.

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Typically, a guarantor loan will be deposited into a UK debit account. Lenders will almost always send the funds to the guarantor first – this is a security measure so that they know the monies are going to someone with a good credit score and homeowner status and therefore they are considered lower risk.

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The eligibility criteria will be tailored to each of the lender’s terms and conditions. Nevertheless, in order to be considered for a guarantor loan, there are several key requirements that are generally applicable; first, you must be a UK resident aged 18 and above, have a regular monthly income, and hold a UK bank account.

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Some lenders will undertake credit checks to measure the risk and to make an overall assessment of your financial status. However, the majority of lenders will look at the guarantors’ credit files, in order to ensure their financial position is stable, but this will not impact their credit score.

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The most common repayment options are through direct debit or standing order, which are established as regular payments until the guarantor loan is entirely payed off. Other methods comprise debit cards, online payments or payments by phone.

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You should only consider applying for a loan if you can afford the payments. However, if you encounter financial difficulties that do not allow you to pay off the loan, you should first contact your lender, who will be in the position of offering you re-payment alternatives.

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We are continuously seeking to improve the service we provide, and we massively rely on your feedback to ensure we are on the right path! We will take this opportunity to ask you to tell us how we have performed; you can send your positive comments both via email, and phone.

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As much as we would love to always meet the entirety of your expectations, we know that certain aspects could still be improved. So, please do not hesitate to contact us if you have experienced any issue or dissatisfaction; our team will be delighted to hear from you either via email or phone, and will aim to answer your queries as quickly as possible: hello@guarantorloans.com

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