Same Day Guarantor Loans

Choose your same day 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.

Guarantor Loans within 24 hours

We have been studying Usain Bolt, and have found a way to offer same day guarantor loans  – you can get your loan within 24 hours of applying, and in some cases a lot sooner. In fact the fastest guarantor loan we have ever paid out to date is:

34 minutes from application to funded*.

While we can’t promise every guarantor loan will pay out that fast, we can promise that we will try our very best to be as quick and efficient as possible. For us being quick does not mean being rushed, we will always make sure you fully understand the process and how instant payout guarantor loans work before progressing it through to payout.

When looking to get fast guarantor loans it is important to have any required supporting documents to hand so that does not slow down the process. See what supporting documents may be needed for your guarantor loan here.

*Correct as of 09/10/2017

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The staff were very helpful, and the online application was quick & easy definitely recommend.


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Fast Loans With a Guarantor

If you are after a guarantor loan, whether homeowner or tenant, in a hurry you have come to the right place. Here at Talk Loans we will try our best to get your loan paid out as soon as possible, with our target to be within 24 hours. Even if you loan is turned down by the first choice of lender, you don’t need to start again, we will put your application straight to the second option without you having to do a thing. This makes things a lot faster then applying direct. and means that you can get same day guarantor loans even if you have bad credit.

Fast Guarantor Loans

Get Your Guarantor Finance Today

In order to get your loan as quickly as possible you need to fit a particular criteria, however even if you don’t you can still get your guarantor loan instant decision and paid out within 24 hours. So how do you get your guarantor loan today? Well first of all you need to pass all of the electornic checks the lender will run and while we can’t go into the specifics of what checks are run, if you are in a rush you will want to pass the following:

Online ID Check

To pass and online ID check you will generally need to be registered at your current address through your bank with all the details you have provided. You may also be checked against social media profiles to make sure you exist. In some cases you will need to supply your bank sort code and account number for these checks to be carried out.

Online Income Check

Some lenders can check directly with your bank what your average income is. So if you put the wrong amount in when applying, or you get paid in cash, the chances are you will fail this check and need to provide a payslip. Alternatively you cvould be checked against the average earnings in your job, in your area. Exactly how the lenders calculate all of this is hidden away in their black boxes, so in generaly a stable income through your bank, and honesty, are the best way to pass this check automatically.

Address Check

An address check can be done at the same time as a credit search as it will show whether or not your are registered on the electoral roll. When you move house this is one of the first things you should do anyway to ensure you can vote in any upcoming elections.

If you fail any of these checks you will be asked to provide supporting documents to prove the information you have provided. This may be a passport for an ID check, a payslip for an income check, and a utility bill for a proof of address check. Visit our supporting document page linked above for more information. If you think you may fail some of the automated checks it’s worth having these documents to hand to get your loan as quickly as possible.

Quick Guarantor Loans

Getting a quick guarantor loan is not always the best way. By taking your time when taking out a guarantor loan you get the opportunity to consider exactly what you and your guarantor are doing. This is particularly pertinent for the guarantor who will need to be fully educated on the same day guarantor loans process before being approved as a suitable guarantor. While you do have a cooling off period on the loan it is best to be sure of your intentions before signing your credit agreement.

Here at Talk Loans we will answer any questions you have when it comes to getting your guarantor loan fast and efficiently, and the same goes for your guarantor. If you need help getting your guarantor loan quickly give us a call today on 01603 391104 or just make an application on our guarantor loans page.

Not So Fast Guarantor Loans

No Phone Calls

If you are being promised a guarantor loan without a single phone call then it is likely a lie and you should be extremely careful. In order to meet regulations then a guarantor lender will always want to speak to you, and more importantly, your guarantor. It is extremely important your guarantor understands their responsibilities and the lender will often talk them through how the guarantor loan works before paying out any funds.

Along with being offered no phone calls, some more aggressive loan companies will offer fully online guarantor loans, again you should be careful with these claims as a phone call will almost certainly be required. While you may be used to other types of loans being online only a guarantor loan is a lot more complicated as it involves 2 or more parties.

If you want to compare as quickly and as easily as possible then our team are here to help, and while we can’t promise no phone calls or a completely online application, we can promise your loan will be dealt with swiftly and efficiently.


Getting Guarantor Loans Online

If you are tired of going through your application again and again over the phone with different lenders, we have a fantastic solution for you. Our 100% online application form means that we collect all your information and can make a decision before we even speak to you.

Online guarantor loans also mean that you will always sign your documentation through a web page instead of having to print it out and send it back to the lender. This is called an e-signature and makes getting your loan a lot quicker, and straightforward compared to the traditional methods used in the past.

Applying for your guarantor loan online means that it is a very quick process, a lot of times as long as you apply early enough in the day you can get your guarantor loan on the same day.



We aim to reply to all emails within 24 hours.



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 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. We are a loan brokerage and we work with a carefully selected panel of lenders. For details of how we will collect and process your personal data, please see our Privacy Policy. We do not charge a fee for our service but will receive commission from those lenders who either accept an application from us, or complete a loan for you. Registered office address: Unit 7, Beech Avenue Business Park, Beech Avenue, Taverham, Norwich, NR8 6HW

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Please Read

Talk Loans, and other trading styles belonging to Butler Westbury Ltd, NEVER charge a fee at any stage of applying for or setting up a loan.

We are aware of a current scam allegedly from Talk Loans Ltd (a fake company) who are charging fees and not providing loans. We have no association with this organisation at all. We have reported this to the FCA. If you have fallen victim to this or any other fee charging scam, you can register it here -