Tenant Guarantor Loans

Choose your tenant 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.

Applying for Tenant Guarantor Loans

You can still get guarantor loans even if your guarantor is a tenant, or a non-homeowner. Tenant guarantor loans can be slightly more expensive than homeowner guarantor loans, however they are still a great option when it comes to taking out a loan if you have a less than stellar credit history.

While most lenders will accept tenants nowadays there are still some that won’t, and by applying through Talk Loans we will help you filter out these guarantor loan lenders that could end up just wasting your time.

Remember that even with a guarantor who doesn’t own their property, your guarantor still must have a good credit history. If they have missed payments, defaults or CCJs they will still not be appropriate to act as a guarantor.

Want your tenant guarantor loan fast? Get in touch today. Start your application by using our simple loan calculator and making sure both you and your guarantor can afford the monthly repayments.

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Non Homeowner Guarantor Loans

If your guarantor is a non-homeowner we can still use them as a guarantor. The main differences between a this type of guarantor loan and a traditional homeowner guarantor loan is that the rates you pay may be slightly higher and you may only be able to borrow up to £8,000 instead of £15,000. In the past there was no such thing a guarantor that rented their property or lived with parents, as the lender always went under the assumption that if the guarantor is a homeowner they are less likely to default on the repayments if the worse was to happen.

In 2013 UK Credit were the first to launch a product where you could use tenant guarantor. You can see how they compare by comparing guarantor loans. The tenant guarantor loans product was different to the traditional homeowner guarantor. The interest rate charged, largest loan you could borrow and the level of supporting documentation was different. Roll on to 2015 and multiple lenders offer tenant guarantor products. Sometimes the offering is the same regardless of the guarantor’s residency.

Guarantor Loans With A Renting Guarantor

With the current state of housing in the UK, homeownership is at a particularly low level compared to previous generations. This makes rarer to have friends or family members that own a property and is one of the main reasons using a tenant guarantor has increased in popularity over the last 5 years. As long as you and your guarantor can afford the repayments and the guarantor has a good credit history then there should not be a problem getting your loan finalised.

Guarantor loans lenders are generally stricter on credit scores when it comes to non-homeowner guarantors. So for example where a lender may be happy with a homeowner guarantor with a couple of missed payments within the last 2 years, a renting guarantor would be expected to have a much cleaner credit history, with no missed payments at all. Please note this is just an example and there is no reason to think a tenant guarantor loan is out of reach if you guarantor has missed a couple of payments. Although we would strongly suggest they do’t have any recent defaults or missed payments on credit.

If you would like to learn more about exactly what type of guarantor we can accept you should speak to one of our loan experts today on 01603 391104, they will help you find the best guarantor loan for you. Or if you are ready apply today at the top of the page for your loan.

Non-Homeowner Guarantor Loans

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.


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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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