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If you currently have a loan with us and have been affected financially by the COVID-19 pandemic, please click here for ways in which we may be able to work with you during these difficult times.

Glossary

Guarantor Loan

A guarantor loan is an unsecured loan that requires the borrower to have a Guarantor who co-signs their credit agreement. By doing this the Guarantor agrees to repay the Borrower's debt should the Borrower default on the agreement repayments. Guarantor loans enable people who have either no credit history or poor credit history and have been refused credit from main stream lenders like High Street banks and credit card companies, to obtain a loan. Because they have the backing of a Guarantor they are often able to access more money than would otherwise be available to them.

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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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