An illustration of an orange MINI hatchback, with an illustration of a woman in a pink blouse and blue trousers at the front, and a man in a striped green t-shirt and blue trousers at the rear. Pink and blue coloured background represent the divide between initial payment and monthly repayments.

Guarantor Loans

What is a Guarantor Loan

A Guarantor Loan is a lending option that enables those with a less favourable credit profile a way to get car finance. A third party (normally a friend or family member) acts as a guarantor (a person who provides a guarantee) to the lender, who agrees to continue paying the monthly repayments should the borrower find them-self unable to do so.

So, whether you have a limited/no credit history, or a poor/bad credit profile, a Guarantor Loan is an effective way of strengthening your application that helps improve your ability to secure car finance.

For best guarantor loan rates speak to one of our friendly car finance specialists by first completing an online application.

3 Steps to get a Guarantor Loan

Step 1:

Complete a quick online application. Note: at this stage it doesn't matter if you haven't yet agreed on a guarantor, as we can help you decide who would be most appropriate to approach.


Step 2:

Once your application has been accepted a friendly consultant will make contact with you to discuss your requirements and options. They can advise on what makes a good guarantor and how/what information is required from them to act as your guarantor.

Your consultant will be dedicated to support you throughout the process and to ensure you're kept fully informed. Furthermore they will work hard to get you the fairest agreement that suits your individual circumstances.


Step 3:

Once you have agreed your loan terms your dedicated consultant can also help you find the car you want and work hard to get you the best deal across our trusted national dealer network.


Apply for a Guarantor Loan

Advantages of Guarantor Loans

If you have a limited credit history or a poor credit rating, a guarantor can strengthen your application and help you secure the finance you need.

Apply online today for a no obligation quote.

Why get a Guarantor Loan?

A great solution if you’re struggling to get accepted for car finance on your own

Peace of mind - should your financial situation change, you have the support of your guarantor

An effective way to build your credit profile and improve your credit rating

How does a Guarantor Loan work

The process of applying for a Guarantor Loan is just like many other loans, with a few key differences...

Apply online today for your free no-obligation quote.

The funds are initially transferred to your guarantor, and they must transfer the funds to you

You are responsible for making the monthly repayments directly to the lender

If you fall behind on payments, it's then the responsibility of your guarantor to ensure the loan payments are maintained

Let's get started

Your application only takes a couple of minutes.

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