Poor Credit?

Millions of people in the UK have a less than perfect credit history
The Loan Arrangers can find the right loan for you.


The Loan Arrangers Guarantor Loan Application

Guarantor loans are a great way to borrow money and in many cases, they are the perfect type of lending. They are brilliant for those people that have a bad credit history or a history of missed payments.

Click here to apply for a guarantor loan

In addition to this, they can also be used to pay off other debts (particularly the expensive kind) such as payday loans where the APR can be quite high but this can also include installment loans and other types of HP finance.

A guarantor loan will allow the borrower to consolidate all of these debts and the reason this can be done (despite the borrowers poor credit) is the addition of a guarantor to the lending process.

This individual endorses the loan application by agreeing to meet the repayments on the loan in the event that the borrower cannot make them and they do this by signing a document called a guarantee and indemnity form.

Guarantor Loans Same Day Payout

Whilst there are lots of guarantor loan companies out there such as Whitestar LoansTFS Loans, Amigo Loans and money.co.uk, all offering different guarantor lending products that range in value from £1,000 to £12,000 with loan terms from 1 year to 7 years, none of them have the breadth and choice of lending products that we have.

Of course the longer you borrow money for, the cheaper the monthly payments will be, so it certainly offers borrowers a chance to take out an affordable loan.

There are absolutely no upfront broker fees to pay and as the FCA have outlawed the charging of upfront fees in the guarantor loans sector, there can be no silly upfront fees charged by any brokers or lenders so you can apply safe in the knowledge that you won’t lose a penny if your loan application is unsuccessful.

Who can be a guarantor on a loan?

Anyone of good standing who is aged from 18 – 80 and although we prefer our guarantors to be a close family member, they can also be friends, other family or even work colleagues, it really is up to you who you get to support your loan application.

The guarantor will step in and take over the repayments if the applicant doesn’t, however with the vast majority of our guarantor loans, there is no problem whatsoever and the guarantor is not bothered again after their initial involvement. Once the process is completed, the money is then paid into the guarantor’s bank account for extra safety.

Guarantor Loans Summary

BRITISH AND PROUD - No overseas call centres here!

Great Britain

  • Loans from £1,000 to £12, 000
  • Loan term from 1 year to 7 years
  • Fixed rate of interest
  • No broker fees on homeowner guarantor loans
  • No upfront fees
  • Loans can be repaid early
  • APR is fixed for the term of the loan
  • One of the lowest interest rates in the UK

As you are probably aware, guarantors can either be homeowners or tenants. When we say homeowners, we mean that guarantors with a mortgage are just fine.

Guarantors need to be receiving an income (salary, pension or self employed income is fine) and they need to have fairly good credit.

It won't cost you a penny to find out if your loan will be approved, so...

If you apply today, you could get your loan paid out today too.


Some interesting stats…


Number of guarantor loan enquiries we approve


Number of approved guarantor loans paid out the same day


Number of times we pass your details on to other loan companies


44.9% Representative Fixed

Borrowing £3500 over 48 months.

Repaying £148.28 per month.
Total repayable £7117.44

Each rate is based on the specific circumstances of the individual applying for a loan.

About your Guarantor

Becoming a guarantor for a loan is an important responsibility.

We would prefer it if guarantors were family members but in reality, anyone who is prepared to vouch for you and support you in times of hardship can qualify as a guarantor.


After the loan completes and pays out, the loan will show up in the name of the person applying for the loan, not the guarantor, so that if further searches are made through the credit reference agencies like Equifax or Experian, the loan will not appear on the guarantors credit profile as their loan or debt.

Guarantor Loan Questions

Do you charge upfront fees?

No we don’t and we never have. In fact, we were one of the loan firms that lobbied the Government about this horrible practice, a practice that some pretty large and well known firms were doing for many years.

We never have and never will charge any upfront fees on your loan application so if it does not go ahead for any reason, you won’t lose a penny.

How much can I borrow?

You can borrow any amount from £1,000 to £12,000.

How soon can you pay my loan out?

Most loans that we approve can be paid out the same day that you applied. Occasionally, some loans will take longer but that is never our fault…As soon as we get everything we need off  you, we can pay the loan out. If you are slow getting your stuff to us, then it may take longer.

Where are you based?
A beautiful place called Heswall on the Wirral pensinsular in Cheshire.
Can my guarantor be a tenant?

They can but your chances of getting approved for your loan increase by almost 70% if your guarantor is a homeowner.

Can I speak to you or does it have to be done via email?

Your call. You can call us, email us or even pop in and see us in our office. We will fit in with whatever works for you.

Are you authorised by the FCA?

Yes we are. Our FCA number is: 664651

Will you pass my details on to other firms so I get inundated with texts & emails?

No! This is a fairly standard practice for some firms, particularly the larger ones but we have never done that in almost 8 years of trading.

Your details will never be passed on to any other company.

What could you use a loan for?

Consolidate some existing loans or debts. Buy a car or motorbike. Go on holiday. Get a new kitchen or bathroom. Buy furniture or expensive electrical items. Pay the deposit on your rented property.

As long as it is legal – the choice is yours and the money could be paid out today.