UK Credit Guarantor Loans

UK Credit is a guarantor direct lender that offers loan to those with adverse credit with the help of a guarantor.

Products: ,

Uk Credit

Loan Amount
£3,000 - £15,000

Representative APR

Loan Term
3 - 5 years

Loan Type
Guarantor Loan

Homeowners & Tenants

Rated 4.8/ 5

Poor Credit

Trusted, simple guarantor loans from £3,000 to £15,000 between 24.9% & 39.9% APR. With the help of a friend or relative to guarantee your loan UK Credit could get you the cash you need.

Representative Example

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About UK Credit Guarantor Loans

Guarantor loans from UK credit

Guarantor loans from UK credit

UK Credit is one of the reputed guarantor loan providers especially for those having poor credit history. The guarantor loans range from £1000 to £10,000. With 39.9% fixed APR (representative) and the choice of repayment tenure as 1 to 5 years, UK Credit serves as a great option for the customers whose loans have been refused by the banks due to bad credit history or those unable to afford costly financing. UK Credit assesses guarantor loans on the basis of affordability to make sure that repayments are affordable for the customers.

The company currently offers two products under guarantor loans; a tenancy loan and a homeowner loan. In a tenancy loan, the guarantor is the customer’s tenant while in another case, the homeowner is the guarantor. With little variances between the two, UK Credit caters customers looking for quick and affordable guarantor loans with minimal paperwork and hassles.

The Core Features of UK Credit Guarantor Loans

  • Rates starting from as low as 39.9%
  • Consideration for poor credit, CCJ’s & Defaults
  • Fast application processing
  • Fixed rate interest
  • Borrowing direct from a lender as UK Credit is a lender itself, not a broker
  • Flexible loans
  • Prompt customer service

The Core Features of UK Credit’s Homeowner Guarantor Loan

  • Fixed rates starting from APR 39.9%
  • You can borrow from £1000 to £10,000
  • Flexible repayment terms from 1 to 5 years
  • Since this is an unsecured loan, the home is not at risk

The Core Features of UK Credit’s Tenancy Guarantor Loan

  • Fixed rates starting from APR 59.9%
  • You can borrow from £1000 to £6,000
  • Flexible repayment terms from 1 to 5 years
  • Since this is an unsecured loan, the home is not at risk

UK Credit is a simple way of borrowing funds with a considerable help from a friend or a family member. The company allows you to make anyone your guarantor who trusts you financially, including a partner, friend, colleague, family member or anyone who can back up the repayments if you are unable to pay. Whether you guarantor is homeowner or non homeowner / tenant, you can avail the guarantor loans from UK credit. This makes the service suitable for almost any customer looking for an unsecured or guarantor loan with flexible terms.

How does it work?

Just visit the UK Credit site and get an official quote without affecting your credit history. They have included loan calculator in the website interface that lets you calculate your numbers within seconds. The application takes 1 minute and 45 seconds, on average, to complete. You fill in the online application form and UK Credit will get in touch shortly to confirm or reject the application.

If the loan is approved and all necessary paperwork is done along with the guarantor contacted, the loan is usually released on the same day. Customers can make overpayments and early repayments guarantor loan at no extra cost, which helps shorten the overall loan term and the amount of interest accrued. The interest rate on the loan will differ based on a range of factors, including customer’s financial circumstances and the amount of money you need to borrow. Once your loan has been paid out, you can easily manage your account online. You can use Live chat option, phone call and email to talk with the representatives.

The Final advice

UK Credit provides loans to a broad range of customers, including people having a poor credit rating and may not be able to find loans from other banks or lenders. It specializes in guarantor loans that permit the borrower to have a family member or friend back up the loan agreement, confirming to take legal responsibility for the loan repayment if a borrower fails to do so. This allows UK Credit to lend money to otherwise risky clients. To get a short-term, affordable and fixed rated guarantor loan, whether you have a good or poor credit history, UK Credit is another option to consider.


Yes. If you maintain your loan repayments and pay what is owed on time each month then this will positively effect your credit score.

UK Credit offer guarantor loans from £1,000 - £10,000 repayable over 1-5 years.