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)

Is bad credit a problem?

We base our lending decisions on your current credit status and affordability.

We do look at your credit history but we do not automatically decline applicants if they have had CCJ’s, defaults or missed payments in the past.

We make a fair assessment on your current status and we ask that you are able to demonstrate that you can afford the proposed monthly payments and you have a guarantor that trusts you an can do the same. In the event that you fail to make a repayment, then your guarantor will have to make them for you. 

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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