How it works


Apply for a guarantor loan in a few easy steps with our secure online process. Choose the amount that you wish to borrow and the length of time you want to pay it back using our loan calculator. Remember, you need a guarantor to successfully receive any loan from us so please make sure you have found someone suitable before you apply. After that, it’s a straightforward process.

Here’s how it all works…

Choose a loan

Tell us the amount you wish to borrow, how long you want to borrow it for, and whether your potential guarantor is a homeowner or tenant.

Secure a guarantor

Make sure you have discussed the loan with your guarantor and that they are happy to support your application.


Fill in our simple online form, along with your guarantor, and we’ll do the rest.


Our team will run a few checks to assess your eligibility. You may be asked to supply a few documents. Don’t worry, this won’t affect your credit history.

Call with UK Credit

We’ll give you and your guarantor a quick call just to make sure the loan is affordable.


One final check of the application will be carried out and then we’ll let you know if you’ve been accepted.

Happy customer!

Funds are provided to the guarantor who is free to pass the money onto you