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Lifestyle Loans

Personal Loan
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APR representative


Total repayable

Representative Example: A loan of £3,000 over 24 months at a fixed annual rate of 49.9% would result in a representative rate of 49.9% APR, 24 monthly repayments of £199.96 and a total amount repayable of £4,799.04.
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  • Compare Guarantor Loans

    Are you having trouble taking out a personal loan because of a bad credit rating or no credit history? A guarantor loan might be a suitable option for you. Lenders offer special guarantor loan deals to suit those who might be struggling to apply for a loan on their own.

    Who can be a guarantor for a loan?

    Guarantor loans are unsecured loans where another, more trusted person, agrees to take responsibility for the repayments if the borrower fails to meet them.

    If you have a bad credit score from missing repayments or have a limited credit history from not taking out any financial products in the past, a guarantor loan that relies on the credit history of a family member or close friend might be ideal. It’s always worth checking your credit report as a guarantor, just to make sure your credit score is good enough to apply.

    The loan guarantor will need to have a good credit history and be able to show the lender they can meet the cost of the loan if you fail to do so. They also can’t be financially connected to you, so not a spouse or a partner you share bills with already. It’s relatively common for parents to act as a guarantor for children who are of an appropriate age and thinking of taking out a personal loan.

    Is a guarantor loan right for me?

    Before you compare guarantor loans it’s important to think carefully about whether it is right for both you and your potential guarantor. The most important thing is to be sure your guarantor loan is affordable for both you and for them.

    If you fail to meet the repayments then it will fall to your guarantor to do so, and if that landed them in difficulties then they could end up struggling financially. If they own a home it could even lead to that property being repossessed if they can’t make the repayments. You should also look carefully at the amount of interest you will repay over the term of the loan as this can be high in some cases.

    How do I find the best guarantor loans?

    Whatever kind of loan you want, don’t just start applying as multiple applications will harm your credit file, making it even more difficult to borrow.

    Our moneymatcher service lets you compare guarantor loan providers without leaving a footprint on your credit score. That means you can get a tailored list of the cheapest personal loans that are most suitable for you.

    Our lenders

    We work with a huge range of lenders to give you a wide selection of financial products, ensuring you can find a loan to suit your circumstances.

    Each lender is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    We have a diverse range of lenders specialising in different loan products, allowing you to borrow money quickly, easily and safely every time. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right loan product for you.

    Have a look at our provider pages to see our full list of lenders.

Witness the wisdom

How to use Money Guru

Money Guru is a comparer of loans, credit cards, mortgages, current accounts, savings and investments, business banking and business loans. With our moneymatcher you can narrow down your search and find the right option for you.

  • Use moneymatcher to check your eligibility
  • Compare the latest products and find the best option for you
  • A huge panel of lenders and providers to choose from
  • Wisdom articles and insights to help you make an informed decision
  • Check MyAccount to view your results at any time