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How Guarantor Loans Work


Guarantor Loans change the rules. No longer will you be refused an unsecured loan just because you fail to get the right credit score! Our lenders don't believe that your credit history should determine your credit future. So, how are the old rules broken?


Guarantor Loans mean there's much less reliance put on credit scoring to judge your credit worthiness. What you do is mobilise the force of your social network - if you can get someone you know well (e.g. parent, other family member, close personal friend or co-worker, etc) to support your application then we have lenders who will be very willing to consider your loan application. This person is called your guarantor. They are only likely to help you if they know you well and if they trust you to repay your loan. If they trust you then our lenders will be more inclined to trust you too.


In summary Guarantor Loans change the rules and put you in control.


Detailed questions? Please see our FAQ page or view the special informaton videos we have produced.


Who can apply for a Guarantor Loan?

Anyone can apply for a guarantor loan - you just need to provide a guarantor. We can take loan applications from people who would be turned down by traditional lenders - e.g. self employed, people on benefits, private or council tenants, and anyone with CCJs, defaults or other credit problems. We work with a select group of lenders who are able to say "Yes" where others say "No".


Our loans are split into 2 types - £50 to £500 and £500 to £12,000. These are the General Lending Criteria


What is the Application Process?

We are the "One Stop Shop" for Guarantor Loans. We only work with the most well respected lenders. Through our short enquiry form you can approach them all simultaneously - no need to fill in numerous forms so saving you valuable time.


  • Complete our enquiry form - enquire to all respected lenders at the same time

  • Receive immediate in principle lending decisions - on average our applicants receive 4 loan offers!

  • Complete the loan documentation with your chosen lender:

    • Go direct to your chosen lender to complete your application using E-signatures (£50 - £500 loans, and £500 - £12,000 if the lender offers the service)

      • or

    • Receive your loan offer(s) by email or post to compare and complete at your leisure (£500 - £12,000 loans)


How Quickly Can I Get My Cash?

For £50 to £500 loans your cash can be with you in just 2 hours. In the case of larger loans it will take a little longer but it is still possible for you to get you loan paid out within 24 hours of your application being accepted by a lender. If you have your guarantor already lined up the whole process can be extremely quick.


Apply Now for a Guarantor Loan


Improve Your Credit Rating with a Guarantor Loan!

As well as getting the loan you need now the act of repaying it on time will actually help to rebuild your credit history and credit status so that in the future you will be able to borrow on even better terms.


Information Videos

We've produced a series of videos to help you understand what guarantor loans are about. Here are a couple of the most important ones:




Get up to
£12,000 within 24 Hours


Our 100% online fast track service means you can get an instant decision and payout within 24 hours of acceptance.


First Name:



Mobile Number:

Loan Amount:

£500 to £12,000:

44.9% APR Representative*
See example


£50 to £500:

842% APR Representative*
See example

apply now

Free Broking Service

Why choose Solution Loans?

  • A No-Fee Service§
  • Avoid Impact of Credit Scoring
  • Exclusive Loans
  • Non-Homeowner Guarantors accepted!
  • Poor Credit Specialists
  • Can be Paid To You within 24 Hours
  • Repay Early with No Penalties
  • No Home Visits
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Solution Loans is a trading style of Affiniti Digital Media Ltd. Registered Office: Moorgate House, 7 Station Road West, Oxted, Surrey, RH8 9EE. Registered in England & Wales, number 5180470. Solution Loans is authorised and regulated by the Financial Conduct Authority (FRN 726074). Registered with the Information Commissioner's Office - Z8703415. Solution Loans acts as an introducer to guarantor loans lenders.