How it Works

What a brilliant idea!

Here at The Guarantor Loans Company, we like to make everything as simple as possible. Our process is easy, secure and maximises your chances of getting a loan by accessing a wide range of loan plans and products.

You can borrow up to £5,000 over a loan term of up to 5 years, allowing you to have repayments to suit your budget. Rather than relying on credit scoring to assess your application, we simply ask that you provide someone who is able to vouch for you, such as a friend, work colleague or a family member. We trust the opinions of people you know rather than relying on credit scores. This means we will consider any bad credit and as long as you meet your loan repayments, our loans can actually help improve your credit record.

To get started with your application, simply follow these 3 simple steps;

  1. Complete our short application form and we will straight away search our loan plans to find one which is perfect for you.

  2. Once we have found the best match. You can then proceed to complete your application either online or we will arrange for agreements to be sent to you by email or post.

  3. Once you’ve agreed to your agreements and everything checks out, your money will be sent straight away! It’s that simple!

Requirements To Apply

In order to proceed with one of our guarantor loans, you
need to;

  • Be at least 18 years of age or older

  • Be a UK citizen

  • Have a suitable guarantor (your guarantor should have a reasonable credit rating. For loans of over £1,000, we may need your guarantor to be a homeowner)

No Guarantor?

We also offer standard unsecured loans without the need of a guarantor to support your application. Simply indicate you don’t have a guarantor when applying. You can also specify if you are not sure whether you can find a guarantor at this stage; this then allows you to finalise your application at a later date when convenient.

Please note, terms and eligibility requirements may differ on non-guarantor products.

Hurry! our loans are being snapped up quick…

Priority Application


Arrow Down
Do you have a Guarantor?
Loan Amount £
Loan Term
First Name
Last Name
Date of Birth
Daytime Tel
Mobile Tel
1st Line of Address
2nd Line of Address
Post Town
Email Address
How would you rate your credit history?
I am a mainland UK resident
I agree to the Terms
Arrow Right

Easy Qualification!

  • 18 Years
  • Live in UK
  • Earn an income
  • No Home Visits


  • Borrow up to £5,000!
  • Secure 100% Online Application
  • No Up-Front Fees!
  • No Applicant Credit Checks*
  • Same Day Payout

Fed up Being Declined?

  • Bad Credit OK
  • Higher Approval Rating than typical loans
  • Fast Approval Process
  • Rely on friends rather than credit scores

Stuck with Payday Loans?

  • Use our guarantor loans to escape debt spirals
  • Get back on your feet
  • Beat those high interest rates!

Representative APR 53.8%

Example: Borrow £3000 over 36 months,
pay back £151.19 per month.
Total repayable £5,442.84.