Bamboo offer guarantor loans and unsecured loans from £1,000 to £8,000 and repaid over 1 to 5 years.




Minimum Age


Debit Card


Credit Checks


Other Requirements

Tenants and Homeowners Accepted

Same Day Transfer Available


Loan Value Available

£1,000 to £8,000

Representative APR


Loan Length

1 to 5 years

Credit License Number


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.
  • Direct
  • guarantor
  • credit
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Founded in 2014, Southampton-based Bamboo has become one of the leading guarantor loan providers in the UK. Offering loans ranging from £1,000 to £8,000, they have a competitive APR of 49.7% provided that you have a guarantor as part of the application to give you that extra security.

Bamboo are a direct lender meaning that they will process your application, provide you with the funds and make the collections if you are successful. Therefore, there are no other brokers or middlemen involved, so you don’t have to worry about being redirected elsewhere when you apply or your information being shared with lots of other companies. Other features of their product include being completed transaction online (not by phone) and available through desktop, tablet and mobile.

Bamboo also provide unsecured loans, which do not require an extra person to co-sign the loan agreement – and this allows you to borrow between £1,000 and £5,000 at a lower APR of 26.9%. Since there is less security, your eligibility will more likely be based on your income, affordability and credit history.

The Application Process

To apply, simply click on ‘apply now’ on this page where you will be taken directly to their website and asked to fill in a few basic details. It helps if you also have the details of your guarantor who is going to be part of the loan agreement with you.

Their website states that they will give you a quote once you have applied and that loans can be funded on the same day. In order to do this, Bamboo will carry out a series of checks for you and your guarantor, including using a credit bureau to check your credit history.  You and your guarantor may also need to confirm some additional information by phone and send copies of your pay-slips and bank statements. To proceed, both parties will receive a loan agreement which they will need to sign, confirming the terms of their loan and their responsibilities for repayment.

The Criteria For Bamboo Loans


The minimum age to apply is 18 years old but guarantors are required to be a minimum of 21 years to reflect the extra responsibility involved with being a guarantor.  After all, if the borrower cannot repay their loan, this person is required to step in and pay on their behalf. Applicants must be UK residents but this excludes Isle of Man and Channel Islands.

Bamboo state that applicants can apply despite bad credit, no credit and a history of CCJs. However, it is important for them to have a suitable guarantor with a strong credit history as they are providing the security for the loan. Bamboo states that your guarantor can be a friend, family member or spouse and they accept guarantors that are both tenants and homeowners which allows you to be flexible with the person you choose. Some lenders we feature on guarantor loan comparison only accept guarantor that own homes and this can sometimes be limiting to who you can select. So whether the person you have chosen to guarantee lives in rented accommodation, they can still help you get the loan you need. Their website states that your guarantor can be a friend, family member or spouse.

About Bamboo Loans

Bamboo Limited is Registered in England No: 05629336.

Credit License Number: 720565.

Data Protection Act: Z1380902

Registered office address:1st Floor, Grenville House, Nelson Gate, Southampton, SO15 1GX