Peer-to-Peer Platform for borrowers
and lenders specialising in Guarantor Loans

  • Get a Loan

    Get a Guarantor Loan Borrow up to £10,000 over up to
    5 years with a guarantor

    Representative Example £3,000 over 3 years, representative 48.9% APR fixed. Monthly payment £145.17. The interest is 10% per annum fixed and service fee is 30.48% per annum fixed. Interest payable £549.95 and service fee payable £1,676.17. Total repayable £5,226.12.

    Apply to Borrow
  • Lend your money

    Enjoy a better return Lend from £10,000
    For a period of 5 years
    Expected return between 8% and 10%*

    *Your capital is at risk and your money is not covered by the Financial Services Compensation Scheme

    Apply to Lend

Guarantor Loans online. Apply now!

It takes about 5 minutes

We are a peer to peer platform that doesn’t charge any upfront fees and you have the flexibility to repay early at any time without penalty.

Guarantor Loans Online
  • FAST
  • FAIR
Apply Now
  • What are the risks of missing a payment?

    Your Guarantor is responsible for ensuring the loan is paid if payments are missed. Missed payments may impact your credit score.

  • A personal service

    We talk to you in person to see how we can help – even if you’ve got CCJs or a poor credit record.

  • Simple & straightforward

    Applying and getting your guarantor loans is a simple process and the cash can be with you on the same day, depending on your circumstances.

  • Earn rewards

    Exclusive! We will give your guarantor a month’s payment back as a thank you for repaying your first 12 months on time and in full.

5 Star customer rating

Who can Guarantor My Loan?

Do you know a homeowner who trusts your capability to repay the loan? Your guarantor can be a friend, colleague or family member and must also have a good credit record themselves to keep up repayments on your behalf if necessary.

Get the money you need in four simple steps

  • Apply online – it takes about 5 minutes
  • Find a guarantor
  • We’ll call you and your guarantor to discuss the loan and ensure that the repayments are affordable
  • Once your loan is approved, the cash will be paid through your guarantor.

The guarantor must:

  • Have a good credit record
  • Be aged 21-75
  • Be able to take over repayments
  • Trust you to make the repayments

Pay a clear & transparent rate for your loan

Apply with simple, manageable REPAYMENTS


Guarantor my loan

For Lenders

Guarantor My Loan enables you to benefit from a great return on your money. Your money is used to fund loans to selected borrowers who have a personal guarantor, who is a friend or family member, to guarantee to make the repayments if the borrower does not.

Peer to Peer lending is not covered by the Financial Services Compensation Scheme and your capital is at risk.

Choose your product

Income product

  • 3 year term
  • 10% (monthly) interest
  • Expected return 8% – 10%**
  • Interest paid monthly
  • Capital repaid monthly
Capital at risk.
Not covered by FSCS
Register to Lend

Term product

  • 3 year term
  • 10% (monthly) interest
  • Expected return 8% – 10%*
  • Interest paid monthly
  • Capital repaid at end of term
Capital at risk.
Not covered by FSCS


Seek independent financial advice

The information shown does not constitute advice or a personal recommendation, and therefore you should seek independent financial advice before deciding to lend.

The products explained

Income product

You can withdraw your monthly repayments as they are paid back by borrowers.

Term product

You can use the monthly repayments to re-lend to new borrowers.

The risks

Guarantor my Loan provides Guarantor Loans which are a type of unsecured loan that is backed by a guarantor, usually a friend or family member, who guarantees to make the loan repayments if the borrower fails to make them.

Your returns are not guaranteed as Borrowers and /or Guarantors may not make repayments on time and in full.

Your capital is at risk. It is also not protected by the Financial Compensation Scheme (FSCS).

**The actual return may be lower than anticipated if the capital is not immediately reinvested through the term and all of the loan repayments are not made on time or in full. **

*The rate of return shown is at 30th September 2015 and is for a 3 year term, before tax and assuming reinvestment throughout the term and all of the loan repayments being made on time and in full.*

As at 31st January 2016 our default rate was less than 1% and expected default rates are 4.2%.

Past performance is not a guarantee of the future.

You may apply to access your capital early, but this may not be possible in all circumstances and you may have to pay a fee.

Guarantor My Loan is an investment and not a deposit account.

You are responsible for accounting for any income tax, corporate or personal taxes that may be payable by you to appropriate authorities.

How we mitigate the risks

All borrowers and guarantors are carefully selected by trained individuals. Robust verification, credit checks and affordability assessments are completed prior to lending your money.

Lending is split over a minimum of 20 borrowers (maximum of 5% of the investment), so if one borrower cannot pay you are less likely to receive lower returns than those anticipated or lose all of your capital.

Missed payments are pursued by competent collectors who have expertise and knowledge in managing customer accounts.

Guarantor My Loan has set up a discretionary Reserve Fund, which is held in a separate client account.

The Reserve Fund has been set up to protect lenders capital and is funded monthly to reflect the growth of the loan book and anticipated level of bad debt, which you may be able to access, although it is not a guarantee.

A reserve fund claim does not include any interest that has accrued or may accrue.

Your money is held by us in a segregated bank account until it is lent out so that it does not form part of our assets and would not be available to our creditors in the event of our insolvency.

The benefits

You have a 14 day cooling-off period. You can withdraw your money anytime during the cooling-off period. You start earning interest as soon as your money is lent and the 14 day cooling off period has elapsed.

There are no fees payable by Lenders for making loans on the platform.

Guarantor My Loan will provide an annual statement to enable you to declare your income to the HMRC.

Once your money has been matched it is lent at a fixed rate for the term of the loan contract.

  • 8%

    Typically around 8% – 10% return

  • returns

    Excellent returns

  • invest

    Invest for 36 months

  • repayments

    Monthly or Term repayments

  • protection

    All loans are carefully underwritten by specialist underwriters

  • fees

    No hidden fees or charges

What is a Guarantor Loan?

How do Guarantor Loans work?

Who are Guarantor Loans for?

How much can you borrow with Guarantor Loans?

How long you can borrow for?

How long does it take to apply?

What happens if the Guarantor Loan instalments aren’t paid?

Who can be a Guarantor for a Loan?

You’re in control of your loan

What does the Guarantor do?

About Guarantor My Loan, who are we?

What are direct Guarantor Loans?

Choosing the best Guarantor Loans Lender for you