Guarantor Loans

Choose Your Loan 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 a Guarantor Loan

You can apply for a guarantor loans with Talk Loans quickly and simply or check out the Guarantor Loan Finder. Applying with us means you can borrow from £500 to £15,000 and repay the loan over a period of 12 to 60 months. All you need is a guarantor, who can be a friend or family member, that has a fair or better credit history. Along with having a fair credit history your guarantor will need to be able to afford the monthly payment every month. It is their responsibility to step in and make these payments if you don’t for any reason.

guarantor loans

Just select how much you want to borrow at the top of the page. Don’t worry if this isn’t 100% your desired amount, once you hit our application form you can change this to the exact amount you are looking for. Then you just need to enter your details and follow the online application.

Guarantor Loans Explained

A guarantor loans is a financial product product that allows you to use a friend or family member –  known as a guarantor – to act as security on the repayments. This gives you access to loan rates and amounts that would otherwise be unavailable. Loans without a guarantor, also known as “no guarantor loans” do not need a guarantor and you are fully responsible for making the payments yourself.

Guarantor loans are designed for those with a bad credit history (see bad credit guarantor loans) who need a helping hand getting back on their feet financially. A guarantor loan is not only a great way to get the money you need at a competitive rate, but it can also be a fantastic way to improve your credit history for the future.

While having to find someone to support your loan is not an ideal situation, it’s important to realise that having a guarantor opens many doors that would otherwise be closed off. For instance, if your credit history is tarnished with missed payments, defaults or a County Court Judgment (CCJ), a loan with the support of a guarantor is still a completely viable option for you whereas a bank would turn you away. You can compare guarantor loans on our dedicated page.

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Who can be a guarantor?

A guarantor can be a friend, family member, work colleague, or almost any other person, as long as they are willing to cover your repayments if you were to miss one. As we work with 8 different lenders we have an extremely flexible guarantor criteria compared to any one lender. We can also help you get your guarantor loan same day if you are in a hurry.

Your guarantor can:

  • be a Homeowner, Tenant, or Living with Friends/Parents
  • either be a Friend, Relative, Work Colleague, Spouse or Partner
  • be between 21 and 75 years old
  • have a Good or Fair Credit History
  • afford any missed payments

Tenant guarantor loans can be handy if you do not know anyone that owns their own home. If you are not sure whether your guarantor would fit our criteria you can make an application and speak to one of our guarantor loan experts.

guarantor loans made easy

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.


We aim to reply to all emails within 24 hours.


Talk Loans
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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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