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.

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Guarantor Loans FAQs (Borrower)

Do I need an income?

Yes. You will need to have a provable income which demonstrates that you are able to afford the monthly payments of the loan. However, this can come from many sources.

We accept full-time, part-time and self-employed applicants subject to status and affordability.
This can also include additional income from some benefits or pension. As long as you can afford the repayments, using your income, and have a guarantor that trusts you, you can apply for a guarantor loan.

For more information on Guarantor Loans read ourComplete guide to Guarantor Loans‘.

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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