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  • Guarantor Loans

    • Apply for £500 – £15000
    • Credit Problems OK
    • Non-Homeowner Guarantors accepted
    • 24 hr payouts possible
    • No Fees or Charges§
    • Rep 39.9% APR
Guarantor Loans

How much would you like to borrow?

How long for? (months)

Monthly repayments £144.32
Total to repay £3,463.68
Representative 39.9 APR

This tool is for guidance ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of the product. Lenders have a duty to conduct affordability checks when you apply for a loan.

Representative example: Borrow £3,000 over 36 months. Repay £144.16 per month. Total charge for credit will be £2,189.76. Total amount repayable is £5,189.76. Interest rate 34.05% (vrbl). Representative APR 39.9% (vrbl)

This tool is for guidance ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan.

Representative example: Borrow £9,000 over 48 months. Repay £246.84 per month. Total charge for credit will be £2,848.42. Total amount repayable is £11,848.42. Representative APR 14.2% (vrbl)

Choose The Right Guarantor Loan

  • Borrow £500 to £15,000 i
  • Multiple loan options i
  • Poor Credit ratings i
  • Non-Homeowners i
  • Lessen the impact of a Bad Credit Score  i
  • Same day payout i
  • 100% Free – No Fees i
  • Guarantor can be either homeowner or non-homeowner/tenant i

What is a Guarantor Loan?

Guarantor Loans could enable you to get an unsecured loan of £500 to £15,000 even if you have a poor credit history. If you provide a guarantor then there is much less reliance put on your credit rating.

These loans with a guarantor have become very popular because with someone close to you guaranteeing your loan repayments lenders are much more inclined to provide the money you need. And a guarantor loan is probably cheaper and more flexible than some other forms of bad credit borrowing.
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Why use a Guarantor Loan?

  • Repeated application rejections – our lenders can accept enquiries that many others will not
  • Avoid credit score impact – you’ve had enough of your credit score affecting your borrowing
  • Adverse credit history – your credit rating is very poor or you don’t have a credit history
  • Improve your credit status – you want to improve your financial standing by getting a loan and then successfully repaying it

How do Guarantor Loans work?

  • Provide a loan guarantor who can be a homeowner or non homeowner – see more detailed criteria
  • No need for any assets (e.g. house, car, jewellery) to be provided as security – loan is unsecured, so you don’t need to own your home.
  • Borrow from £500 to £15,000 (you could get more with a personal loan but a high credit score is needed)
  • Repayment periods of 1 to 5 years (12 to 60 months) – see estimates of loan repayments.
  • Instant decision in principle – our enquiry form will give you instant responses from all our lenders simultaneously! You can then compare loan offers and take the best deal.
  • Get your loan within 24 hours (subject to your application being accepted)
  • FREE service – No fees or charges§ – you get the same rate as going direct. And there’s no obligation.
  • Representative APR 39.9% (with rates from 29.9% APR)

Do a Loan Comparison – Get the Best Deal

Our free search service provides an instant comparison of deals available. Typically applicants receive 3 to 4 offers (in principle). And the deals are the same as going direct! You’ll save time and be able to quickly choose the loan that is right for you.

Your steps to getting what you need:

  1. Do your searchit’s free, and you don’t have to specify who will guarantee your payments
  2. Get an instant answer – the list of lenders from our wide panel who want to help you (in principle)
  3. Immediately compare offers
  4. Choose your preferred deal and click to complete the application on-line – right through to e-signature.
  5. Provide your guarantor’s details and get them to co-sign the agreement
  6. Get your loan within 24 hours – it is perfectly possible to receive the funds the same day.

The Ideal Loan for a Bad Credit History?

These could suit you if you’ve had financial problems in the past and need an unsecured loan now. The basic idea is simple – if you want lenders to ignore a historical credit issue and lend you up to £15,000 unsecured then you need to provide someone who will guarantee repayments. Someone who trusts you to repay what you owe but could step in and help you out if you had a problem meeting a repayment.

What a loan with a guarantor does is break the link between your financial past and your financial future. Less reliance is put on scores (in most situations) and more weight on your ability to:

  • afford the monthly repayments
  • obtain an acceptable guarantor

So, if you are one of the millions of people in the UK who have a poor credit score then a guarantor loan could help you. We work with 99% of all the UK’s respected lenders –apply now!

Instant Decision with Same Day Payout

Our fast search means that within 2 minutes you’ll know who will consider lending to you! With this instant decision you can then complete your application online. If you have your guarantor in place and they are accepted then a same day payout is perfectly possible.


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.

Guarantor Loan FAQs

Also see our more detailed applicant questions page.

What does this type of loan cost?

For someone with a poor credit status an unsecured loan with a guarantor is likely to offer a low APR / low rate than other forms of borrowing. The representative APR for this type of finance is in the region of 26.9% to 54.9% which is lower than the 70+% that is typically charged for non-guarantor unsecured loans.

Nobody is saying that 26.9% is a low interest rate nor that this is cheap, but for someone who has an impaired credit status they may be the cheapest type of borrowing they can reasonably expect to qualify for.

Make sure that you can afford the repayments and you do not simply make your financial position worse. Borrowing will be subject to an affordability assessment.

Whose name is on the finance agreement?

It is in your name which also means that when you have successfully repaid it it is your credit file that is improved, not your guarantor’s.

I don't think I can find a Guarantor. What can I do?

If right now you don’t think you could find one then consider this – over 10% of actual borrowers also initially thought they couldn’t find one! And, they don’t have to own their home. But if you really don’t think you will be able to find one then consider instead a bad credit personal loan.

Do I have to find a Guarantor before I apply?

No! Our enquiry form does not require the information and our lenders can accept you in principle without a guarantor’s details. However, we would recommend that you start to consider which family members or friends to approach. The sooner you sort this out the sooner you can complete your application.

What is a Guaranteed Loan?

Sometimes guarantor loans are mistakenly called “Guaranteed”. Nothing is guaranteed as the lending decision will always include an assessment of the applicant’s ability to repay; the so-called affordability check.

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

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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 its guarantor loans service.



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Written/Reviewed by: Amanda Gillam