Best 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.

Finding the Best Guarantor Loans

Have you decided you want to take out a guarantor loan? Now all that’s left is finding the best guarantor loans on the market. The only thing you need to figure out now is what does “the best” mean to you. At Talk Loans we split our lending partners into multiple different categories, meaning that we can help you find the cheapest, the fastest, or even the most likely to finalise your loan without the need for supporting documents.

The top guarantorguarantor loans can be hard to identify without any background knowledge of the market, which is where we come in. Apply with us today and we will help you find a great borrowing option without charging you a penny.

Finding the best guarantor loan can also depend on your personal circumstances such as your income type, income amount, who your guarantor is, and how much you are looking to borrow. Don’t use a shotgun approach, make one application with us and we will talk you through (from our Norwich, UK based call centre) your most appropriate guarantor loan options.

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TrustPilot Rating
Talk Loans is rated 9.7 out of 10 by TrustPilot based on 92 unfiltered customer reviews. Visit TrustPilot

Here is a List of the Best Guarantor Loans

  • Bamboo Loans – One of the top guarantor loan lenders with a quick automated application process
  • UK Credit – A long running company with flexible criteria
  • Buddy Loans – A great company to get loans with a guarantor
  • Amigo Loans – The longest running
  • TFS Loans – One of the cheapest providers if you are a homeowner
  • 1 plus 1 Loans – A lender based in Liverpool
  • Guarantor My Loan – A loan provider based in Norwich
  • TrustTwo – The guarantor arm of the unsecured loan company, Everyday Loans

what are the best guarantor loans?

Getting The Best Guarantor Loan Available

Ever since the internet made it a lot easier for us to do so, whenever we look to use a service or buy a product it is natural for us look for the best deal available. Whether it’s clothes, electronics, cars or insurance it’s natural to want a good deal and with the advent and rise of websites such as Hot UK Deals or Camel Camel Camel it’s becoming easier and easier to make sure you aren’t throwing your money away.

So how does that translate to taking out the best guarantor loans? If you are just looking for the cheapest guarantor loans available then a guarantor comparison table may be a good first point of call as they will generally list the different APRs or APR ranges each lender offers.

However, when it comes to a loan, there are often other things to take into account other than just interest rate. With so many different things to look out for from eligibility criteria, repayment options and how trustworthy and legitimate the lender is, it can become overwhelming unless you are a very familiar with not only how each lender operates but also how financial services operate as a whole.

The first step in finding the top guarantor loan for you, is identifying what matters. Which could be one, or a combination, of the following.

  • Speed of application and loan funding
  • Interest rate
  • Whether any documentation is needed
  • How flexible they are with guarantor criteria

The list goes on, let’s break down these main points and see how you can start to identify which lender is right for you.

Top Guarantor Loan For Speed

The overall speed of getting the money in your (or your guarantors) bank account can be a hard one to judge and will depend on multiple things including the amount of automation each lender has implemented. For example some lenders will allow you to do an online income and expenditure whereas others will do this over the phone.

In another instance a lender may run an automated check on your income, which may pass or fail. They will then ask you for a copy of a payslip or bank statement to prove your income as an alternative. In this case not having a payslip to hand, or lying about your income, has caused a delay in the application.

On top of this type of delay, it depends on how busy lenders are at any particular time and how quickly they can get to you.

Luckily here at Talk Loans we have great relationships with the vast range of guarantor loan lenders we work with and know a lot of the “behind the scenes” processes. Because of this we have a great insight into how long it will usually take to get your money in the bank, and our loan experts are happy to discuss with you how long it will take you to get your guarantor loan quickly.

Best Guarantor Loans

Unbeatable Guarantor Loan Based On Rate

Interest rates vary massively from a low of 29.9% up to 99.9% depending on the lender and product. A lot of lenders sit in the middle at around 50% but others have systems in place to link the rate you qualify for depending on you and your guarantors credit history.

Exactly which rate is available to you is based on a number of things including:

  • Your credit history
  • Your residential status
  • Your guarantors credit history
  • Your guarantors residential status
  • How much you are borrowing

In order to get the best rates you and your guarantor have to be a homeowner. If you would like to discuss in more detail exactly what rate is available with the conbination of you and your guarantor then either make an application with us or give us a call directly on 01603 391104.

Most Flexible Guarantor Criteria

The guarantor criteria may be the biggest hurdle for most people. Which would suggest that the best guarantor loans are actually just ones that will accept a particular friend or family member as a guarantor. Again all lenders are different, for more information about differing guarantor criteria check out our FAQ section on our main guarantor loans page.

You are of course welcome to call us to discuss during working hours as well.

Highly Rated Guarantor Loans

A good way of finding out how good each guarantor loan provider is, is to look at what existing customers have to say about them. Most lenders will gather feedback using TrustPilot which allows customers to leave public, unfiltered, feedback on a product or service. You can often find some interesting information about how lenders work by digging through old reviews, helping you find who the best guarantor loans.

To make things frustrating, most lenders are rated highly. See the examples below (which are correct as of 10/10/2017). If you want to have a more detailed look at the lenders then simply search “Lender Name TrustPilot” on

UK Credit Highly Rated
Best Guarantor Loans Amigo
Top Loans Bamboo Loans
Buddy Loans Top Lender

How Can I Get The Best Guarantor Loan?

That’s what we are here for, we will match you with the best guarantor loan lender depending on your unique circumstances – based on what’s most important to you. Instead of looking into each lender separately. Doing all the work yourself. We will talk you through your options and help get you guarantor loans without charging you a penny more than if you would have gone direct!


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.


Talk Loans
61 - 63 Riverside Road


We aim to reply to all emails within 24 hours.


Guarantor Loans 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).

Personal Loans Representative Example: Borrow £300 over 6 months. Monthly repayment of £92.43. Total repayable is £554.58. Interest payable is £254.58. Fixed APR of 883.6%. Interest rate of 169.7% per annum. Representative APR 883.6% (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: 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA

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