Our Lenders

We feature a number of guarantor lenders on our website and are constantly adding new competitive lenders. Simply click on the lender for more information about who they are and their criteria.

MASA Loans

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Bamboo Loans

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1Plus1 Loans

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George Banco Loans

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How We Choose Our Lenders

At, we carefully vet the lenders that we work with to ensure that they are fully authorised by the Financial Conduct Authority and are passionate about Responsible Lending and Treating Customers Fairly.

We want to ensure that when you are clicking through the lender of your choice, you are going to working with someone who has your best interests at heart and this is a key to their corporate culture. This includes:

  • Taking measures to ensure the individual can afford their loan
  • Shows their fees and costs in a clear and transparent way
  • Do what is best for the customer


We only work with guarantor loans direct lenders so that when you are putting through your application, you are working directly with that company and not any other middlemen or brokers who could charge upfront fees. We want the application process to be as clear and simple as possible so that you can apply and get obtain the finances that you need.

What We Include In Our Lender Profiles

With every lender profile provided, we want you to have a clear overview of their product including:

  • Minimum age
  • APR and representative example
  • Whether they accept tenant and homeowner guarantors
  • Loan amounts available
  • Loan lengths available
  • Credit license and FCA numbers

We also like to explain the history of the guarantor loan providers, when they started and how their products emerged. Also, you tend to find that each lender has their own unique selling point that makes them different such as lending to tenants, large loan amounts or faster funding – and these are all interesting things to be aware of.

What Checks Are Carried Out?

The lenders we feature vary between the checks that they carry out, since they all have a different appetite for lending and bespoke products on offer. However, they generally tend to follow the same outlines below:

Initial Application: In the original online application form, there are some basic questions you will need to fill in regarding age, residence, income, employment and expenses. This allows our guarantor lenders to filter out the initial criteria such as being over 18 years of age, living and working in the UK and have a regular income that enables you to make repayments on time. Specifically, some lenders have different rules when it comes to lending to those with IVAs, CCJs, history of bankruptcy and also those on benefits, unemployed and earning their income through pensions.

Loan Agreement: An online loan agreement must be signed by all parties involved. This is usually completed via a digital online signature or Esign to speed things along. It highlights all the key points of the agreement including loan term, loan amount, repayments, fees and repayment responsibilities. It is essential that the guarantor co-signs this agreement.

Credit Checks: This is a key part to any loan application whether it is a personal loan, mortgage or guarantor loan. Using the information from the three main credit reference agencies in the UK (Experian, Equifax and CallCredit), they are able to review the credit history of the customer and the guarantor and decide whether they are eligible for a loan.

The main beneficiary of the loan is not necessarily required to have a great credit score (since they require a guarantor). Therefore, the credit rating of the guarantor is crucial and someone with a good history and ideally a homeowner status will maximise your chances of approval. It is based on the idea that if someone with a strong employment and credit history is willing to support you, we (as the lender) can support you too.

Affordability Checks: This is where the lenders assess your income and expenses against the amount you have requested to borrow. They have to check that you can make monthly repayments without falling into financial difficulty. A lot of these questions about what you earn each month and what your monthly expenses are (travel, rent etc) are included in the main application and further evidence may be requested by the lenders in the form of bank statements and pay-slips.

Phone Call: Most lenders like to arrange a phone call with the individual borrower and guarantor to ensure that they both fully understand the responsibilities of the guarantor loan. Above all, the guarantor is expected to step in and repay in the event that the main borrower cannot.

Sending Funds: All the lenders we work with typically send the successfully funded loan to the guarantor first. This is a security measure so that they know the monies are definitely going into the bank account of a good credit customer. There is a two week ‘cooling period’ so the guarantor can decide to pass on the funds in whole or in part to the main borrower – or decide within the two weeks to send the money back to the lender with no extra charges.

For any questions about working with or about our lenders, feel free to contact us here.

<strong>What is Our Criteria For Applying?</strong> 
Every lender on our website has their own specific criteria by the basics are mentioned below and you must have a guarantor to be eligible. Simply select the lender of your choice and you will be taken directly to their website where you can apply. You will be required to submit your details including:<li style=”text-align: center;” data-mce-style=”text-align: center;”>Name (must be over 18 as the borrow, 21 or 25 as the guarantor)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Residence (your chances will improve if your guarantor is a homeowner)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Employment status (must be employed or on a pension)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Income (earning at least £600 per month and able to make repayments)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Monthly expenses (not have too many loans open or in major debt)</li>
You will then be asked to include the details of your guarantor and as mentioned above, this is usually someone who you know and trust and wants to help you with your personal finances. Ideally, a guarantor with good credit will maximise your chances of being approved based on the idea of ‘if someone with good credit trusts you, well we can too.'<strong>How Much Can I Borrow From Guarantor Loans?</strong>Guarantor Loans gives applicants the chance to borrow £500 to £15,000 depending on the lender. Some lenders we feature like Buddy Loans only have a maximum loan value of £7,500 and TFS Loans is the only lender that stretches up to £15,000.Factors that can influence the amount you can borrow revolve around having a good guarantor. One that is a homeowner, with solid employment, income and good credit rating will maximise your chances of borrowing the largest drawdown possible.The lenders featured on Guarantor Loans see a homeowner as someone who has already gone through the rigorous process of credit checking and affordability and if they can afford a house, they should be able to act as a guarantor for you.By comparison, having a guarantor that is not a homeowner offers slightly less security and means that amount you can borrow is slightly less too.Higher amounts may be available to those who already have a better than average credit rating, are homeowners themselves and a repeat customer with the lender who has already paid their loan on time. To apply directly with your lender of choice see <a href=”” data-mce-href=””>direct lenders</a>.<strong>What Does The Guarantor Have To Do?</strong>Upon completing an application, the lender will typically send you a <a href=”” data-mce-href=””>pre-contract loan agreement</a> and SECCI (Standard European Consumer Credit Information form) which will highlight the terms of your loan. You and your guarantor will be required to review the terms of the loan, including the loan drawdown, fees, repayment dates and responsibilities – and this can be signed via an online verification process using your email and mobile phone.The lender will usually carry out an individual phone call with you and your guarantor to ensure that you both understand the responsibilities and what is required of you – notably that if you cannot make repayment, your guarantor will be required to pay on your behalf. Further to some additional credit and affordability checks, funds can typically be transferred within 24 to 48 hours (or sometimes on the same day).<strong>Are Guarantor Loans Available For Bad Credit Customers?</strong>Yes, even if you have a history of adverse credit, <a href=”” data-mce-href=””>CCJs</a>, bankruptcy or IVAs several years ago, you can still be eligible. The idea is that you are using your guarantor and their financial history to ‘back you up’ and give your loan extra security. However, it is noted that your guarantor should have a good credit score and consent to co-signing your loan agreement.<strong>How Soon Can I Receive Funds?</strong>Guarantor Loans works with lenders that can facilitate funds within 24 to 48 hours of approval, or sometimes on the same day.When your funds are successfully transferred, most lenders working with Guarantor Loans will send the full amount to the guarantor’s debit account first. This is a standard security measure carried out by lenders to ensure that the funds are going to the right person and confirms the involvement of the guarantor. The guarantor usually has a ‘two week cooling off period’ where they can decide to pass on the money to the main borrower or they can change their mind and return the funds with no extra charges.