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Financial Conduct Authority Authorised & Regulated

Trust Two (Homeowner Guarantor Required)Guarantor Loan

Trust Two (Homeowner Guarantor Required)

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 credit card company 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 card.

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

UK Credit (Homeowner Guarantor Required)

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 credit card company 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 card.

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

BambooGuarantor Loan

Bamboo

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 credit card company 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 card.

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

Cashback

Pay the first twelve instalments in full and on time and your guarantor will receive cashback equivalent to 1 month’s repayment. T&Cs apply.

Guarantor My LoanGuarantor Loan

Guarantor My Loan

Representative %APR (fixed)

48.9% APR

Monthly repayment

£245.79

Total charge for credit

£1,898.96

Total amount repayable

£5,898.96

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 credit card company 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 card.

Borrowing £4,000 over 24 months at an annual interest rate of 48.9% (fixed) would result in a representative rate of 48.9% APR, monthly repayments of £245.79, total amount repayable is £5,898.96

George BancoGuarantor Loan

George Banco

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 credit card company 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 card.

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

AmigoGuarantor Loan

Amigo

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 credit card company 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 card.

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

Trust Two (Non-Homeowner Guarantor Required)

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 credit card company 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 card.

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

UK Credit (Non-Homeowner Guarantor Required)

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 credit card company 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 card.

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

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Guide to guarantor loans

What is a guarantor loan?

A guarantor loan is a loan that requires a guarantor - this is, someone who agrees to pay back your loan if you don't. Having a guarantor in place gives lenders a bit more security, as they'll feel more confident they'll be able to get back any money you borrow.

How do guarantor loans work?

When a guarantor loan is taken out, the funds will often be paid to the guarantor directly. This to help prevent fraudulent applications. But, you are responsible for the monthly repayments until the loan has been paid back in full.

If the loan repayment is late or missed entirely, the lender will likely contact you and your guarantor. They will contact your guarantor to keep them up to date with the payment status. If you then don't make a payment, the lender will try to get a payment from your guarantor.

Guarantor loans are usually unsecured, which means the loan isn't secured against an asset, such as a house. This means lenders look at the borrower's and the guarantor's credit history to decide whether to accept you.

When getting a guarantor loan, it's important you always pay on time - not only to prevent harm to your credit rating, but also to prevent harm to your relationship with your guarantor.

Who can be a guarantor for a guarantor loan?

A guarantor can be anyone who trusts you financially. Often, this is a partner or spouse, a relative, or a close friend. If you're looking to a get a loan that needs a guarantor, you need to think if you know anyone whose credit rating is good and who would be willing to act as a guarantor for you.

Depending on the guarantor loan you choose, your guarantor could be a tenant or a homeowner. However, you might be given a higher interest rate if your guarantor doesn't own their own home.

Who are guarantor loans for?

Since guarantor loans require someone who agrees to pay back your loan if you don't, they're usually taken out by those with poor credit. This might be because you've been late or have missed payments in the past, or because legal action has been taken against you and you've been given a CCJ, for example.

However, it might not be that your credit rating is bad. It could be that you simply don't have enough credit history for lenders to feel comfortable lending you money. This could be if you're new to credit or have recently moved to the UK. Getting a guarantor loan could help build up your credit history.