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Financial Conduct Authority Authorised & Regulated

Trust Two (Homeowner Guarantor Required) Guarantor Loan

Representative %APR (fixed)

37.9% APR

Monthly repayment

£228.98

Total charge for credit

£1,495.52

Total amount repayable

£5,495.52

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a lender makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a loan.

Borrowing £4,000 over 24 months at an annual interest rate of 37.9% (fixed) would result in a representative rate of 37.9% APR, monthly repayments of £228.98, total amount repayable is £5,495.52

UK Credit (Homeowner Guarantor Required) Guarantor Loan

Representative %APR (fixed)

39.9% APR

Monthly repayment

£232.07

Total charge for credit

£1,569.68

Total amount repayable

£5,569.68

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a lender makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a loan.

Borrowing £4,000 over 24 months at an annual interest rate of 34.0% (fixed) would result in a representative rate of 39.9% APR, monthly repayments of £232.07, total amount repayable is £5,569.68

Bamboo Guarantor Loan

Representative %APR (fixed)

46.9% APR

Monthly repayment

£242.77

Total charge for credit

£1,826.48

Total amount repayable

£5,826.48

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a lender makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a loan.

Borrowing £4,000 over 24 months at an annual interest rate of 41.0% (fixed) would result in a representative rate of 46.9% APR, monthly repayments of £242.77, total amount repayable is £5,826.48

George Banco Guarantor Loan

Representative %APR (variable)

49.7% APR

Monthly repayment

£246.99

Total charge for credit

£1,927.76

Total amount repayable

£5,927.76

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a lender makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a loan.

Borrowing £4,000 over 24 months at an annual interest rate of 49.7% (variable) would result in a representative rate of 49.7% APR, monthly repayments of £246.99, total amount repayable is £5,927.76

Amigo Guarantor Loan

Representative %APR (variable)

49.9% APR

Monthly repayment

£247.29

Total charge for credit

£1,934.96

Total amount repayable

£5,934.96

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a lender makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a loan.

Borrowing £4,000 over 24 months at an annual interest rate of 49.9% (variable) would result in a representative rate of 49.9% APR, monthly repayments of £247.29, total amount repayable is £5,934.96

Trust Two (Non-Homeowner Guarantor Required) Guarantor Loan

Representative %APR (fixed)

49.9% APR

Monthly repayment

£247.29

Total charge for credit

£1,934.96

Total amount repayable

£5,934.96

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a lender makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a loan.

Borrowing £4,000 over 24 months at an annual interest rate of 49.9% (fixed) would result in a representative rate of 49.9% APR, monthly repayments of £247.29, total amount repayable is £5,934.96

UK Credit (Non-Homeowner Guarantor Required) Guarantor Loan

Representative %APR (fixed)

53.9% APR

Monthly repayment

£253.24

Total charge for credit

£2,077.76

Total amount repayable

£6,077.76

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a lender makes you.

Your representative APR is the annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a loan.

Borrowing £4,000 over 24 months at an annual interest rate of 43.9% (fixed) would result in a representative rate of 53.9% APR, monthly repayments of £253.24, total amount repayable is £6,077.76

We compare hundreds of loans from leading lenders

Frequently Asked Questions

Q. What’s a guarantor loan?

It’s a loan where someone — a guarantor — agrees to cover you if you can’t make a payment. They’re there for those who find it harder to get personal loans, as having a guarantor gives lenders confidence they’re likely to get their money back.

Q. How do they work?

First, lenders will do a ‘soft search’ on you and your guarantor to decide whether to accept you or not. Don’t worry, this search won’t harm your credit rating. And, you’ll both need to show you have a regular income — just as a way to make lenders confident they’ll get the money back.It’s up to you to make the monthly repayments to pay off the loan. But, to help stop fraud, the loan amount is usually be paid to the guarantor. So, you need to trust your guarantor will send the funds straight over to you. If a payment is late or missed, the lender will tell your guarantor, to keep them in the loop with what’s happening. And, if you can’t make a payment, the lender will go to them to get it. If they can’t make the payment, they may face legal action. It’ll also appear on their credit file and could harm their credit score — not great if you’re close to your guarantor. Missed payments also harm your credit rating and will make it harder to be accepted for the credit you want in the future.

Q. Who can be guarantor?

Most importantly, it needs to be someone who can help you pay the loan. It should ideally be someone you trust, like a relative or close friend — but normally a spouse or partner isn’t allowed. They usually have to be under 75 years old, too. It helps as well if your guarantor is a homeowner. It shows they’re a bit more secure, so you’re more likely to be accepted for the loan — and at a lower rate. That’s great, as you’ll pay less interest every month.

Q. What is compared?

We compare a wide range of guarantor loans from across the market, to give you the best choice possible — so you can choose the one that works best for you.

Q. What happens next?

If you want to apply for a loan, hit the orange button, and we’ll send you straight to the lender’s site to finish things up.

Q. What’s pre-population?

Pre-pop (as we call it) is when all the details you give us when you sign up, are automatically sent to the lender when you apply. That way, you don’t have to enter them again, making the process quicker and easier for you.

SECURED LOANS: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Missing payments on any loan will have severe consequences and may make obtaining credit more difficult in the future.

Think carefully before securing any debts against your home. Your home may be repossessed if you do not keep up repayments on your homeowner loan.

If you decide to take out a homeowner loan, you agree that your personal details will be sent to a credit broker who will contact you by telephone and/or email to find out more about your requirements. This allows the broker to ensure you are introduced to loan products which meet your individual requirements and financial circumstances.

Should you choose to make an application, the broker will advise you of any arrangement fee you may be charged when you take out a loan.