Guarantor Loans within 24 hours
With 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 bad credit 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 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
Fast Guarantor Loans
If you are after a guarantor loan, whether homeowner or tenant guarantor loans, 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 to guarantor loan lenders.
Guarantor Loans 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.
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 for your guarantor loan 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.
Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK
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