Bamboo Loans

Bamboo Loans

Bamboo Loans are a Southampton based UK guarantor loans provider. They were incorporated in October 2014; however it wasn’t until 2015 that they began lending.

Since then they’ve gained significant traction, in turn establishing a large portfolio of customers.


Bamboo have two main products. The first is an unsecured loan. With this product, applicants can borrow between £1,000 and £5,000 which is repayable over a term of 1 to 5 years. Rates start from 26.9% APR and will vary depending on several factors.

Bamboo’s second product is their guarantor loan. Here, you can borrow between £1,000 and £8,000 which is repayable over 1 to 5 years.

The representative APR on this product is 49.7% APR, which is similar to that of Amigo and Buddy Loans. Unlike Amigo though, Bamboo’s APR is fixed meaning providing you keep up with the repayments, your monthly payment amount will never change.

Bamboo Loans are a top guarantor loans provider

Market Prominence

Being one of the newer lenders in the market, Bamboo Loans have yet to build the presence of Amigo, Buddy and UK Credit. Despite this, they do boast a significant customer base and an impressive online reputation.

In under 10 months Bamboo have generated over 1,300 customer reviews on TrustPilot, averaging an incredible 9.6 out of 10. That’s the same amount of reviews as UK Credit and Buddy Loans have generated combined in the last 4 years!

With this in mind, we believe we’ll see Bamboo Loans become more and more prominent in the market over the course of 2017.


With Bamboo, the guarantor can be a UK tenant or homeowner. They must also be between the age of 21 and 72 at the start of the loan agreement.  They must also have a valid UK bank account and debit card. They will be subject to an affordability check to ensure they have sufficient disposable income to cover the monthly repayment if the borrower fails to do so.

As an applicant, you simply need to be over the age of 18, a full UK Resident with a valid UK debit card. They must also be in receipt of income that is sufficient to afford the monthly repayments. This income can be from full-time or part-time employment, pensions or benefits.


A large portion of the positive reviews we eluded to earlier spoke highly of Bamboo’s quick and simple applicant process.

To apply with Bamboo, simply visit their website and use the homepage sliders to pick your loan amount and term, then hit ‘get my quote’.  Next, you’ll be taken to their application form where you’ll need to fill in a few details about yourself. At this stage, you’ll also create an account username and password – this will allow you to login at any time and complete/edit the application.

Once the applicant has completed their side of the applicant, the guarantor will then need to sign in and complete theirs. Once Bamboo have received this, they will complete some final underwriting checks and offer a decision.

It would be beneficial to have a guarantor in mind prior to making an application. This will minimise the chance of delays in getting the loan paid out. If approved, Bamboo can pay the loan out on the same day that you make the application.


In the short-time that they have been lending, Bamboo have become an established lender in the guarantor loan market.

Their easy-to-navigate website, and efficient application process makes them an attractive proposition to those looking for quick cash.

Given a few more years, we could see Bamboo battle with the likes of Buddy Loans and UK Credit for the number two spot behind Amigo Loans – watch this space!

Bamboo Loans Website

Bamboo Loans Website


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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 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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