Your Personal Guarantor Loan Finder

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All guarantor loans are different. Save time and get a great deal completely free and online.
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Representative Example: Borrow £4,000 and pay back your loan over 36 months. Monthly payments of £194.78. Total amount repayable is £7,012.08. Interest payable is £3,012.08. APR of 49.7%. Interest rate of 41%. Fixed rate.

Explore guarantor loans

What are guarantor loans?

A guarantor loan is a loan type made for people with a poor credit history, or perhaps no credit history at all. They are backed by a guarantor, usually a friend or family member, who agrees that they will keep the payments up if the original borrower can’t, or won’t, pay.

As they are designed with bad credit and no credit applicants in mind guarantor loans can be a great loan option for many people. From 18 year olds looking to purchase their first car but have no previous credit history, to older customers who may be looking to do some home improvements but have been through some tough times recently a missed some payments.

With a guarantor loan you can borrow anywhere from £500 to £15,000 at rates from 39.9% to 69.9%. The rate is usually best of your guarantor is a homeowner.

Compare Guarantor Loans

Before you go ahead with a guarantor loan it is important that you compare your options and make sure you are getting the best deal you can. This may mean you want to best rate, the longest repayment period or the fastest guarantor loan you can get.

If you don’t compare the different products available, you may end up with a bad deal, or with a lender that are unable to help. That’s where our Guarantor Loan Finder comes in.

If you apply for a guarantor loan anywhere else you won’t be able to see which lender is most likely to help based on you and your guarantor’s circumstances. All you will get is a a generic list based on either who pays them the most (known as "featured" or "sponsored lenders"), or who has the lowest APR.

Our Guarantor Loan Finder takes all the details you and your guarantor provide and run it through our intelligent decision engine – loaded with specific lender product criteria – which will generate you an accurate comparison table of lenders that are able to help, and what the APR will be.

Who can be a guarantor?

Your guarantor can be almost anyone, the most important things to ensure are that they have a good credit history and haven’t missed any payments recently and that they are able to make the monthly payments on your loan if you are unable to for any reason.

By using our Guarantor Loan Finder to find your loan, we will take your guarantor details and make sure that we only offer you lenders that are happy to consider your guarantor’s situation. If you are unsure whether your guarantor is going to be accepted this is a great way to find out quickly and easily.

We can help guarantors who:

  • Are homeowners, tenants, or live with parents or family members;
  • Are employed, self-employed, retired on a pension or even on benefits;
  • Have the ability to repay your loan if you are unable to;
  • Are 21 to 75 years old;
  • Have financial stability;
  • Have a fair or better credit history;
  • Are a friend, spouse, partner, relative, work colleague or almost anyone else.

When you approach someone to use our simple guarantor loans application process they can be assured there is no commitment at this stage. It’s just a great way to find out what lenders, loan amounts and interest rates are available.

Same day guarantor loans

If you are looking for a fast guarantor loan then you are in luck. By applying through the Guarantor Loan Finder you are automatically filtering out all of the lenders that won’t be able to help, leaving you with just the lenders that can.

This is going to save you a lot of time. Instead of applying with 5 different lenders only to find out they can’t help, just apply once with us and you will get a list of lenders to compare, so you can choose the one that suits your needs the most. Not only that but we will send them the details you give to us, meaning you won’t have to fill out the same forms with the same information again and again!

Several lenders we work with can complete your application within 1 hour of applying. This is because most of their lending decisions are automated.

In the past all lenders will have needed to see some ID, a payslip or bank statement and in some cases a number of other documents like a recent utility bill. Luckily things have changed and now many lenders can confirm all of your details electronically, saving you a huge amount of time in the process.

You are also able to sign your loan documents online, so no waiting for them to be delivered to your home and trudging to your local post box to return them.

To speed up this process it is worth double checking you are on the electoral register at your current address, your bank account is registered at your current address. Along with this we always stress the importance of providing accurate details when making you application through us, don’t pretend you earn more than you do, the lenders will find out and could decline you for providing inaccurate information alone.

What if I have bad credit?

If you have bad credit, a guarantor is could be perfect for you. Instead of making a lending decision based on your credit history, lenders weigh heavily on the guarantor’s credit history instead.

Many people that take our guarantor loans have got a certain level of bad credit from their past. We understand that a few missed payments shouldn’t stop you borrowing money. There are, however, a couple of circumstances that mean, even with a fantastic guarantor supporting your application, you will not be able to get a guarantor loan.

Recent Bankruptcy

If you are currently bankrupt you will not be able to get a guarantor loan.

Debt Management Plan

If you are in a debt management plan then, unless you are consolidating all of your debt and closing the debt management plan, the lenders will not look at your application. Some won’t lend to you even if you are consolidating. This is another reason applying through the Guarantor Loan Finder can save you so much time.

IVA (Individual Voluntary Agreement)

If the lender becomes aware you are in an IVA they will not lend to you.

However if you have missed payments, defaults, County Court Judgments (CCJs) then you're in luck. Guarantor loans were designed with you in mind and are a great way for you to borrow, and in some cases, help get your credit score back on track.

Tenant guarantor loans

A tenant guarantor loan allows you to get a guarantor loan out even if your guarantor doesn’t own a property. Otherwise known as a non-homeowner guarantor loan. You can borrow up to £10,000 with a tenant guarantor and spread the payments over up to 5 years.

You generally will not get the best deals if you guarantor is a tenant, but the repayments may still be affordable, and if you can’t find a willing homeowner guarantor then a tenant guarantor loan is still a great option if you are in the market for a bad credit loan.

Some lenders will not accept tenant guarantors, luckily by using our service you will filter these lenders out so you don’t waste your time applying with them.

If your guarantor lives with their parents or other relatives you can still get a guarantor loan, however even more restrictions will apply to your application so if you can you should try and get a tenant or a homeowner guarantor to have the most flexibility with the available guarantor loan options.

Guarantor loans online

You may want to complete your guarantor loan online. We offer a fully online process for entering all of your, and your guarantor's, details. We then email and text you your applicaiton results so you can see exactly which lenders are able and willing to lend to you. In all situations you, or your guarantor, or both, will need to speak to the lender on the phone beofre they finalise and complete your loan.

Our Guarantor Loan Finder means you save time on the phone with lenders. You won't have to speak to any lenders that won't consider your application.

Websites and companies offering purely online guarantor loans could be a scam. We are currently not aware of any lenders that will not need to speak to you at some point. If you are being guaranteed an fully online application, be wary, and, most importantly, don't give out your card details! It might be a scam or a fee charging broker!

Interestingly, "Guarantor Loans Online" is what UK Credit, a guarantor lender, used to be called. If you are looking for information on them you should try searching UK Credit on google.

What does a guarantor do?

A guarantor supports your loan application. In simple terms they are saying to the lender: "I trust this person, and even though they may have a bad or thin credit file I believe they will pay the loan back. If they don't make the payments I will pay instead." By showing this level of confidence in the borrower, the lender is happy that they are a good credit risk, and will be a lot more flexible than if their was no guarantor backing up the application.

By acting as guarantor on a loan, the guarantor is taking on a financial responsibility. If the borrower doesn't make payments then the lender will instead take payments from the guarantor to either get the loan payments up to date, or to repay the outstanding loan balance in full.

Can I stop being a guarantor?

If you sign up to be a guarantor there is no way for you to get out of your responsibilities early. In order to stop being a guarantor the loan will have to come to an end either through the monthly repayment of the loan, or through paying it off early.

If you are a guarantor and have been lumbered with the loan which the borrower has no ability to (or intent of) paying back, you may want to try and get a lower interest loan in your name and pay the guarantor loan off. It could save you a small fortune in the long run.

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Guarantor Loan Finder is a trading style of Butler Westbury Limited Registered in England No 9035270. Authorised and regulated by the Financial Conduct Authority Reference No. 625156. Registered with the Information Commissioner's Office ZA090336. Registered office address: 146 Drayton High Road, Drayton, Norwich, England, NR8 6AN