All homeowner guarantor loans from £5,000 to £20,000

All Homeowner
Guarantor Loans

✓ Borrow from £5,000 to £20,000

✓ You and your guarantor must be homeowners

✓ 26.9% APR representative fixed

Both you and your guarantor must be homeowners to apply
Please select 'Yes' or 'No' to continue.
Total repayable: £
Fixed APR of: %

Why choose UK Credit?

  • Guarantor loans from £5,000 to £20,000
  • Less than perfect credit history
  • Interest rates from 19.9% APR to 29.9% APR
  • Our loan rates are fixed, so payments will not change during the loan term
  • Established in 2009
  • No upfront fees
  • We check that our loans are affordable to both the borrower and their guarantor before lending

(the following is based on a homeowning guarantor) 29.9% APR Representative (Fixed) Representative Example: £8,000 over 5 years, representative 29.9% APR fixed. Monthly payment £241.65. Annual interest rate 26.45% fixed. Interest payable £6,499.00. Total repayable £14,499.00.
(the following is based on a homeowning guarantor) 29.9% APR Representative (Fixed) Representative Example: £8,000 over 5 years, representative 29.9% APR fixed. Monthly payment £241.65. Annual interest rate 26.45% fixed. Interest payable £6,499.00. Total repayable £14,499.00.

What is a guarantor loan?

A guarantor loan is an unsecured personal loan where the amount borrowed is ‘guaranteed’ by another person – the guarantor.


The guarantor guarantees the loan by acting as back-up to the borrower, by agreeing they will step in to repay the loan if the borrower does not pay. UK Credit offers guarantor loans where both the guarantor and the borrower are homeowners. This allows us to offer loans between £5,000 and £20,000 with interest rates between 19.9% – 29.9% APR (fixed).

Guarantor loans are an option for people who can afford the repayments and feel it is the best option available to them based on personal circumstances, even if they have lower credit scores.

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Who are UK Credit?

Established in 2009, UK Credit is one of the most recognised guarantor lenders in the UK.


We're Responsible

Our guarantor loans are assessed on affordability. We will only approve a loan once we are certain the repayments are affordable alongside other financial commitments. Our expert team are on hand to answer any questions.


We're Direct

UK Credit is a direct lender for guarantor loans. We’re not a broker and we will never ask for any upfront fees. Upon application, our expert team will conduct the necessary financial and background checks, and be in touch for more information or to confirm the details given.


We're Recognised

We have lent over £50 million to more than 24,000 customers. Our customers rate us as Excellent on Trustpilot, with over 1,000 5-star reviews.

Who could be a guarantor?

A guarantor should be someone who the borrower has known for more than 12 months and trusts the borrower financially – often a partner, family member or friend, and agrees to pay the loan on the borrower’s behalf should they not make the repayments. We can only accept guarantors who, like the borrower are homeowners, between the ages of 25 (at the start of the loan) -70 (at the end of the loan), and who have a good credit history. See our full eligibilty on our who can be a guarantor page.

Our Guarantor Loans

  • Rates between 19.9% – 29.9% APR (fixed)
  • Borrow between £5,000 and £20,000
  • Borrower and their guarantor must both be homeowners
  • Repayment periods of 36 – 84 months
  • Unsecured loan – the borrower and guarantor’s homes are not at risk

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Consider your options

Before applying for a loan, borrowers should consider whether a loan is the right choice for them.



Is your current financial situation stable, and can you afford the monthly repayments? A fixed interest loan means you can plan and budget your monthly outgoings, but with any loan you need to be sure you are able to commit to making repayments on time, every month.


Do you need the credit?

Why are you looking to take out a loan? It is important to avoid overstretching financially wherever possible, so a loan should be a last resort.


Seek help first

If you are already in debt or are in a position of financial hardship, there are charities who can help. Speaking to services such as StepChange is a good place to start.


If you have decided that an all homeowner guarantor loan is the right choice for you, make sure you speak to your guarantor before you apply.

Any questions?

Find more information about our guarantor loans in the FAQs below.

Can I get a loan with UK Credit without a guarantor?

No. UK Credit is a guarantor lender and all our customers are required to find a homeowner guarantor before we are able to consider a loan. Find out more about who can be your guarantor.

Is my home at risk?

No, the loan is unsecured meaning the borrower and guarantor’s homes are not at risk of repossession.

Will my past financial problems be an issue?

We will consider a broad range of financial backgrounds and people with poor or limited credit history. We will not be able to help those who are currently in or have been in in the past twelve months an Individual Voluntary Agreement (IVA), a Debt Management Plan (DMP) or subject to a Trust Deed, or anyone who has been declared bankrupt or discharged from bankruptcy in the last 3 years.

The unique nature of guarantor loans means that the guarantor agrees to make the loan repayments if the borrower does not, so we do require the guarantor to have a fair to good credit rating.

We conduct a soft credit search to establish an understanding of the borrower and guarantor’s credit history. Soft credit searches cannot be seen by other companies.

What happens if I can’t pay?

We understand that life does not always go to plan, so if borrowers find themselves struggling financially, we urge them to get in touch with us as soon as possible. We will work together to resolve the situation.

If payments are missed, the loan falls into arrears and the borrower is unable to pay we will notify the guarantor as soon as possible. At this stage, the guarantor can make a payment on a voluntary basis but we cannot demand they make a payment on the loan. If the loan falls three or more payments into arrears, a formal demand for payment will be made of the Guarantor. If either party is unwilling to pay, then we may consider legal action, but only if we have exhausted all reasonable options available.

Do you charge any upfront fees?

No. UK Credit will not charge any upfront fees for loan applications.

Applicants should not pay any fees, even if they apply through a broker. If a broker has charged you to apply for one of our guarantor loans, please let us know. We choose our partners and brokers carefully to ensure they treat customers fairly.

What can I use my loan for?

Everyone’s circumstances are different, so please consider all financial options available and seek professional advice if needed. We offer loans for many purposes for example to finance vehicles, home improvements, pay for a wedding and to consolidate debt.

Car Finance

Car Finance

Debt Consolidation

Debt Consolidation

Home Improvement

Home Improvement

Wedding Loans

Wedding Loans

Three steps to a guarantor loan with UK Credit

To start an application, we will require the borrower and guarantor to provide some details that will allow us to check their eligibility for our guarantor loans.
We will get in touch with the borrower and their guarantor to assess the affordability of the loan.
Once all affordability checks have been completed and with everything in order, we will deposit the loan directly into the guarantor's bank account, and they will be required to transfer the funds to the borrower.

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