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UK's Top Guarantor Loan Lenders in 2019

Compare Lenders for the Best Deal

Instantly find out which of the UK's guarantor lenders will lend to you in principle.

Below are the lenders we work with - all the big names and some more niches ones too. When you apply our leading-edge technology will instantly compile a specific list for you of those lenders who will lend in principle - we won't bother you with the names of those who won't.

We don't charge fees AND you'll get the same deals as going direct.

So, using our service will save you lots of time - only one application and an instant list of only those lenders who will lend to you in principle!

What APRs do Lenders Charge?

The APR you are charged depends on many factors as diverse as the size of the loan you want, whether your guarantor owns their home or not, and the period over which you want to borrow, etc.

It is impossible for us to give you a precise quote at this stage as there are too many unknowns. The APRs in fact range from 29.9% to 79.9%. However, the Representative APR across all our lenders is 39.9%.

Based on this Representative APR our calculator can help you estimate what you could possibly afford. If the figures look manageable then the next thing to do is apply and we'll tell you which lenders may actually be able to help you.

Estimated Repayment

Monthly Payment:
£
Total Repayable:
£
Representative APR:
39.9 %

Your actual APR will depend on: your loan amount, the lender you choose, if your guarantor owns their home, etc.

Less than perfect credit accepted

Search all lenders instantly

Representative Example

Borrow £3,000 for 36 months. Representative 39.9% APR fixed. Monthly payment £144.16. Annual interest rate 34.05% fixed. Interest payable £2189.76. Total repayable £5,189.76.

Guarantor Lender FAQs

Q

How can I get the lowest cost guarantor loan?

A

You will get the lowest cost guarantor loan by using our free search service. A single enquiry through our system is like making separate enquiries to all UK lenders at the same time. Our lenders tell us if they can help in principle and then we list those lenders for you - you won't waste time going to lenders who can't help. We'll show you their representative APRs as a guide. Most lenders use a flat rate - i.e. all loans cost the same regardless of the amount you borrow. But some lenders do discount rates for larger loan amounts. We'll show you who these lenders are.

Q

How do I choose between guarantor lenders?

A

It will depend on what really matters most to you - the interest rate for instance, or the maximum loan amount. Perhaps the fact that some lenders will only accept guarantors who own their homes will be particularly important. Reputation also matters and each of our lender pages will show you the ratings given by borrowers and applicants who have gone before. Everything you need to know is on our website. But the first step is to find out which lenders are prepared to lend to you - and that's where we come in. Simply complete the enquiry form and leave the rest to us - by telling us how much you want to borrow, how long for and if you think your guarantor is likely to own their home or not we can tell you which lenders you should consider. The deals you get through us are the same as if you went direct. And it will cost you nothing to find out.

Q

How do I apply to my chosen lenders?

A

So, you've used us to find your loan offers. We'll list these for you with details of the loans available by lender. You can then compare them and choose one or more that interest you most. Simply click through from the table to proceed to those lenders to get your formal loan quotations. Then complete and submit the application to get your loan.

Q

Are guarantor lenders reputable? Can I trust them?

A

Just as with all other forms of consumer credit guarantor loans and guarantor lenders must be authorised and regulated by the Financial Conduct Authority (FCA). In fact as a broker we are also authorised and regulated by the FCA. We all have to abide by strict rules and are required to treat all customers fairly. So, although you may think guarantor-based lending is new you should be reassured that the standards are as high with this form of lending as with any other. As a further level of reassurance all our lender pages display the ratings of lenders provided by TrustPilot and Feefo.

Q

Are there lenders who will accept a non-homeowner guarantor?

A

A growing proportion of our lenders will consider non homeowners as guarantors. Some even have guarantor loan products specifically designed for this situation. Our loan finding service takes this into account. When you complete your enquiry you simply specify whether you think your guarantor is likely to be a non homeowner or a homeowner and we'll do the rest.

Q

I want the cheapest guarantor loan available. Can you help?

A

Yes. Our loan finding system will match you to lenders who believe they can lend in principle. We'll list these lenders for you and you'll see from the list which lenders are likely to the cheapest given your own requirements.

Q

Who are the alternative lenders to Amigo Loans?

A

Amigo's ever-present advertising might make you think there aren't any other lenders. However there around ten guarantor lenders in the UK and we work with all the bigger names and some of the smaller ones too. This is where our enquiry service comes in - just one enquiry via us and you'll get a list of lenders who will lend in principle. There should be a number of lenders like Amigo Loans for you to choose from.

Q

I want the same deals as going direct to lenders. Can you help?

A

Yes. The key features of our enquiry service:
- there's no charge; our service is free
- the deals we have with lenders are the same as going direct
- you will save yourself loads of time. A single enquiry via us will mean you get a list of lenders who will lend in principle; you won't be bothered by lenders who have no interest in lending

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