Guarantor Loans for homeowners with reasonable credit. Both you and your guarantor must be homeowners. Guarantor cashback reward and weekly payment options offered.



Minimum Age


Debit Card

Yes - Direct Debit Facility Accepted

Credit Checks


Other Requirements

Guarantors can be tenants and homeowners

Same Day Transfer Available


Loan Value Available

£1,000 to £5,000

Representative APR


Loan Length

1-5 years

Credit License Number


Representative Example: £3,000 over 36 months, representative 48.9% APR Fixed. Monthly Payment £145.17. The interest is 10% per annum fixed and service fee is 30.46% per annum fixed. Interest payable £549.95 and service fee payable is £1,676.17. Total repayable £5,226.12
  • Direct
  • guarantor
  • credit
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Guarantor My Loan is a Norwich-based guarantor lender offering loans from £1,000 to £5,000 which are repaid in monthly instalments over 1 to 5 years. With a competitive 48.9% APR, the application is completely online and takes only 5 minutes to complete. There are no upfront fees for applying and as a direct lender, the funds can be transferred to your account on the same day of being approved.


How Is Guarantor My Loan Different To Other Guarantor Lenders? 

Guarantor My Loan operates as a normal guarantor lender in the sense that all applicants require a second person to act as a guarantor. This person is usually a family member or friend who agrees to repay the loan if the main borrower defaults.

What is different about Guarantor My Loan is that they offer cashback if you repay your loan on time.

What is different about Guarantor My Loan is that they offer cashback if you repay your loan on time. Customers will receive a month’s repayment back into their debit account in the form of cashback as a thank you for paying their loan successfully – and this can equal to a few hundred pounds.

In addition, Guarantor My Loan is able to offer guarantor loans to customers with bad credit. This lender is willing to approve loans for those with poor credit and CCJs, whilst some guarantor lenders do not. However, borrowers are required to have a guarantor with a certain criteria.

What Is The Criteria For Guarantor My Loan?  

Borrowers who wish to apply with Guarantor My Loan must be over 18, in employment and a UK resident. The borrower has a responsibility to find someone to be their guarantor. Guarantors must be aged 21 to 72 with a good credit history, income and must be a homeowner.

If the guarantor has a good credit record, the lender feels comfortable that the loan will be repaid. This is why Guarantor My Loan requires guarantors to be homeowners because it suggests a certain high level of credit and also means they are less likely to leave town if they have a property.

How Does The Application Work For Guarantor My Loan? 

The application is completely online and the main borrower will be required to provide information about themselves including their address, employment and income. Applicants will also need to add information about their guarantor. Guarantor My Loan will run a series of credit checks and affordability checks to determine the financial situation of both the borrower and the guarantor and to see whether they are eligible for a loan.

How much you can borrow depends on your personal financial situation and the credit rating of your guarantor. Lenders like Guarantor My Loan have to be careful not to lend too much or the customer will fall into arrears. Therefore, those in employment and generating a higher income will be able to borrow more but having a guarantor with a good credit history will significantly boost your chances of getting approved.

Once approved, the funds are transferred to the guarantor’s bank account. This acts a fraud prevention measure as it confirms that there is definitely a guarantor involved. Above all, it allows the guarantor to have control of the finances so they can decide to send the money in part or in full to the borrower or they can change their mind and give it back to the lender without any fees being charged.

Click here to read more about checks by guarantor lenders.

How Do The Repayments Work For Guarantor My Loan?  

Guarantor My Loan collects the repayments in equal monthly instalments. You can decide how you wish to repay – most customers repay using direct debit but you can also repay by phone, online or at any PayPoint location.

Customers have the option to repay early if they wish. There are no early repayment fees and it may be cheaper to clear your account early and save on the interest.

Useful Information About Guarantor My Loan 

Company name: Match the Cash Ltd

Company number: 08667447

Interim Permission Number: 661304