Bad Credit Guarantor Loans

Choose your bad credit guarantor loans amount

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.

Poor Credit Guarantor Loans

With our simple bad credit guarantor loans you can get the money you are looking for even if you have missed payments, defaults or county court decisions against you. All you need is a suitable guarantor with a fair or better credit score who has the means to repay the loan if you can’t. In fact many of the guarantors we speak to will have had credit problems in the past. As long as this wasn’t recent, and there’s a reasonable explanation, we can still help!

If you are bankrupt or in an IVA then things get a bit more complicated. In this situation we are not able to help. However, if you have been insolvent previously and are now discharged we are happy to consider the application. Debt management plan? If you want to get out of it and pay off your debt with a consolidation loan then apply today and we will see what we can do.

Low credit score guarantor loans can improve your credit file and show you can make repayments responsibly, meaning a couple of years down the line if you keep everything up to date you should be able to get even better rates. If you have a damaged credit history and want to sort your loan out quickly you are in the right place.

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Low Credit Score

Just because you may have been through some hard financial times doesn’t mean you shouldn’t get access to simple loans at competitive interest rates. Here at Talk Loans we understand life isn’t always perfect. You may have lost your job a couple of years ago which caused you to miss some payments on your mobile phone, or car finance. It happens. This is why we are happy to help even if you have a poor credit score.

Missed payments or defaults are more common than you might think in today’s economy. So don’t fret. Get in touch today and see what our bad credit experts based in the United Kingdom can do to help.


Poor Credit Score

No Credit History

If you haven’t had any credit problems before, perhaps you haven’t had any credit at all? If you are young, or perhaps have just had phone bills and finance in a family members name (which is extremely common), you may need a helping hand getting onto the financial ladder. Without proof of your repayment ability on your credit file lenders are often unwilling to help you out with the loan you are looking for.

With a homeowner or tenant guarantor to back up your application, even if you have no credit history at all you can still take out a guarantor loan through one of our lending partners.

No Credit vs Poor Credit

Poor credit means you have had credit and then missed payments or refused to pay the money back that you owe. Whereas having no credit means you have never taken any finance or other bills out in your name. Interestingly both can cause you to have a low score, as one show’s that at a time you couldn’t meet your credit obligations and one show’s that you have never had the opportunity to make repayments. The similarity with both is that neither of these are positive attributes. Without proof of paying your debts then there is nothing to add to your score.

Credit at Difference Addresses

Sometimes you may be told you have negative credit because credit can not be found at your current address. In a situation such as this you should provide the credit provider with your previous addresses to see if they can find some credit history. It’s also worth ensuring you are on the electoral register at your current address so not only can you be more easily linked to your address but also to ensure your credit history is up to date and accurate.

Poor Credit

Learn more about what your credit history is here. If you have poor credit, then a loan may not be the best option for you. If you are struggling to meet your commitments then unless you are looking to consolidate higher cost debt you may want to rethink your need to borrow any money. When you take out low credit guarantor loans it’s important to remember that your guarantor is doing you a massive favour, and by not being 100% sure you can afford the repayments you could be putting them in an unfortunate situation. While the lenders will always run affordability checks on both you and your guarantor to ensure that the loan repayments can be met, it is also up to you and your guarantor to be prepared for the different situations that may arise over the term of the loan.

If you would like to talk through the repayments our loan experts are here to help. They can help you decide if you are borrowing the right amount of money over the correct loan term to make things as hassle free as possible. You can call to speak to someone today on 01603 391104 or make an application at the top of this page for bad credit guarantor loans.

Bad Credit Guarantor Loans

If you are interested in improving your credit score check out our credit score guide.


Best Guarantor Loans Available

Are you looking for the best guarantor loans on the market? We can help! First you need to decide what “best” means to you though. For one person best may mean the lowest rate, and for another it may mean the most likely to accept you, or even the quickest to pay out. We can help you compare your options and ensure you get the most optimum guarantor loan that meets your precise needs. We are guarantor loan experts after all.

What makes us experts? We are a UK based operation and have been working in the industry for most of our lives and our dedicated staff know more about some guarantor lenders than the lenders themselves! Our experience spans brokerages and lenders and we understand guarantor loans from start to finish.



Opening Hours

Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
Sun: Closed


Phone Number

01603 391104

Please call us during our opening hours for the best service.


[email protected]

We aim to reply to all emails within 24 hours.


Talk Loans
Kiln House


Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed).

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender, broker or 3rd party we refer you to. To apply for a loan though our website you must be a UK resident.

Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270. Authorised and regulated by the Financial Conduct Authority Reference No. 625156. Registered with the Information Commissioner’s Office ZA090336. Registered office address: 146 Drayton High Road, Drayton, Norwich, England, NR8 6AN

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