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Borrowing £4000 over 36 months
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Guarantor Loan Comparison is a website which is authorised and regulated by the FCA as a credit broker. Compare guarantor loans using our table below including the loan amounts, representative payment examples and APR below. To keep our site free, we may receive an introductory commission from the lenders we refer you to and this will be highlighted by the green buttons. Simply click on the lender of your choice and you will be taken to their application page where you can apply directly.
Buddy Guarantor LoansBuddy Loans are the new, friendly guarantor lender. Borrow up to £7,500 with no fees and a friendly service. All credit considered. Homeowner and tenant guarantors accepted. Loan Amount£1,000 to £7,500Representative APR49.9% APR variable (£1,000 to £7,500)Loan Term1 year to 5 years The Representative APR is 49.9% APR (variable) so if you borrow £2,500 over 24 months at a rate of 41.16% p.a (fixed) you will repay £154.54 per month & £3,750.17 in total.
TrustTwo Guarantor LoansTrustTwo is one of the most popular guarantor lenders in the UK. Customers can borrow £500 to £10,000, repay over 5 years and guarantors accepted include homeowners, tenants and those living with parents. Apply below: Loan Amount£500 to £10,000Representative APR49.5% APR (£500 to £10,000)Loan Term1 year to 5 years Representative Example: Borrowing £4,000 over 3 years at an interest rate of 40.9% p.a. (fixed), you will repay 36 monthly payments of £194.55. Interest payable £3,003.80. Total repayable £7,003.80. Representative 49.5% APR.
George Banco LoansOne of the fastest loan applications. Immediate decision and same day payout. A very reliable lender with no upfront fees and all credit ratings considered. Loan Amount£1,000 to £10,000Representative APR49.7% (£1,000 to £10,000)Loan Term1 year to 5 years Representative Example: The Representative APR is from 49.7% (£1k to £10k) so if you borrow £3,500 over 3 years at a fixed rate of 41.4%, you will repay £170.56 per month & £6,140.16 in total.
Amigo Guarantor LoansAmigo Loans is the largest guarantor loan lender in the UK. The Bournemouth-based company has approved over 200,000 loans since they were founded in 2005. Loan Amount£500 to £10,000Representative APR49.9% (£500-£10,000)Loan Term1-5 years Representative Example: The Representative APR is 49.9% APR (variable) so if you borrow £4,000 over 3 years at a rate of 49.9% p.a (variable) you will repay £195.16 per month & £7,025.76 in total.
SUCO LoansSUCO are a leading guarantor lender specialising in approving loans for customers with bad credit. Borrow up to £15,000 with no upfront fees. Loan Amount£1,000 to £15,000Representative APR39.9% APR (for loans £8,000 - £15,000)Loan Term4 to 7 years Representative Example: The representative APR is 39.9% APR (fixed) so if you borrow £8,000 over 5 years at a rate of 39.9% p.a. (fixed) you will repay £279.20 per month & £16,752.00 in total.
1Plus1 Loans1Plus1 are a trustworthy and reliable lender offering low interest guarantor loans ranging from £500 to £10,000 that are repaid over 12 to 60 months in equal instalments. Loan Amount£500 to £10,000Representative APR47.8% APR variable (£500 to £10,000)Loan Term1 year to 5 years Representative Example: £3000 over 3 years, representative 47.8% APR Fixed. Monthly payment £143.84. Annual interest rate 24.2% Fixed. Interest payable £2170.24 Total payable £5178.24
Bamboo Guarantor LoansBamboo offer guarantor loans and unsecured loans from £1,000 to £8,000 and repaid over 1 to 5 years. Loan Amount£1,000 to £8,000Representative APR49.7% APR (£1,000 to £8,000)Loan Term1 year to 5 years Representative Example: The representative APR is 49.7% APR (fixed), so if you borrow £2,600 over 3 years at a rate of 41% p.a.(fixed) you will repay £126.61 per month & £4,557.89 in total.
MASA LoansMASA loans is part of Buddy Loans and offers guarantor loans from £1,000 to £7,500 repaid in monthly instalments over 1 to 5 years. No admin or upfront fees for applying. Loan Amount£1,000 to £7,500Representative APR49.7% (for loans £1,000 to £7,500)Loan Term1 year to 5 years Representative Example: Borrow £7,500 over a period of 36 months (3 years), repaying at a rate of £365.48 each month, the total repayment amount including admin fees and interest, will be £13157.28. Fixed interest rate of 31.9% and a Representative APR of 49.7%.
TFS LoansTFS Loans let you borrow up to £15,000 and repay in monthly instalments. They offer low rate guarantor loans and have been around since 2009. Loan Amount£1,000 to £15,000Representative APR39.9% APR (for loans £8,000 - £15,000)Loan Term2 years to 7 years Representative Example: The Representative APR is 39.9% APR (fixed) so if you borrow £8,000 over 5 years at a rate of 39.9% p.a (fixed) you will repay £279.20 per month & £16,752.00 in total.
Talk Loans – BrokerTalk Loans is a specialist broker helping customers find the best guarantor loans to suit their requirements. With a close relationship to the UK's leading providers, they prefer to 'talk' to each applicant and guide them through the journey, which Loan Amount£500 to £15,000Representative APR39.9% to 49.7% Loan Term12 months to 60 months 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.
How it Works
Use our simple loan calculator at the top of the page to calculate your repayments. Click “Apply Now” when you are happy.
Use the table provided by Guarantor Loan Comparison and clicking on ‘apply now’ will take you to the chosen lender’s website where you will complete your application in around 5 minutes.
Working directly with your chosen lender, you will confirm your details (and your guarantors), complete the agreements and get your loan ready for funding in 24 hours
Is a guarantor loan right for me?
Guarantor loans can be a great way to access finance if you have a history of bad credit and may have been turned down by mainstream banks and lenders.
By having another person co-sign your loan agreement, you are able to leverage their credit score to get the funds you need. It follows the idea that if your guarantor has good credit history (and is ideally a homeowner), the lender says ‘if they can trust you, we can too.’
In addition, if you can get into the pattern of repaying on time every month for a consistent period of time, your credit score will start to improve and this will help you access credit and affordable finance in the future.
Who should be my guarantor?
Your guarantor should ideally be someone who you know very well and can trust. That is why parents, siblings and close friends tend to work best. You can also choose a spouse provided that you do not share a bank account with them.
You need someone who has a good credit history, is employed and can afford repayments in case you default. Also, you should have someone who you will still be in touch with over the loan term (e.g 5 years) as boyfriends, girlfriends and colleagues can come and go, but a close family member will always be there for you.
How soon can I receive funds?
Guarantor loans are typically funded within 24 to 48 hours of applying. Once approved, the loan sum can actually be funded within an hour or so, but usually it takes a little of bit of time for your guarantor to formally sign the online loan agreement and also for the lender to have a confirmation phone call with you and your guarantor.
Therefore, to speed up your application, you can always have your guarantor and their information ready before you apply – and get your chosen person to make themselves readily available for the next steps of the application.
Don’t forget, once the loan has been funded, the money will always be sent to your guarantor first as a security check and to give a ‘two week cooling period.’ So having a close relationship with your guarantor is key if you want to receive funds even quicker.