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FAQs for Borrowers

Is bad credit a problem?

No, in fact, a guarantor loan might be ideal for someone with bad credit. It does not matter if you have had CCJ’s, defaults or missed payments, all that is required, is that you can afford your monthly payments and you have a guarantor that trusts you. In the event that you fail to make a repayment, then your guarantor will have to make them for you. (39.9% APR Representative Fixed). For more information about bad credit and Guarantor loans visit our dedicated Bad Credit page.

Loans are subject to status and affordability. Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to www.moneyadviceservice.org.uk

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