Bad Credit Guarantor Loans

£100 - £5,000 paid out by 01:45am

How much would you like?


Representative 669.35% APR

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
*Omacl will not perform a credit check but lenders will determine your loan eligibility by performing a soft search. If you accept the loan offer presented to you, a hard credit search will be performed.

How to find bad credit guarantor loans

If you are in a situation where you need bad credit guarantor loans, then you may wonder where to start looking. There are actually a number of approaches that you could use.

Financial advisor

Many people will start any financial decision by speaking to a financial advisor. Years ago these were free, but they received commission on leads that they encouraged, which lead to people being suspicious that they were working for their own benefit rather than their customers. Therefore, they now have to charge their customers and do not receive commission. It does mean that you have to pay upfront and if you are looking to borrow money, it is unlikely that you would be able to afford them. If you know someone, maybe a friend or family member that is a financial advisor then it could be worth chatting to them about it, otherwise you may want to look for an alternative and cheaper option.

bad credit guarantor loans

How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £5,000
No hidden fees
Chance of getting approved?
High approval
What are the repayment terms?
1 - 36 Months
No paperwork.
How do I apply?
Apply Online
2 min Application
Do I need to pay back a lump sum?
Easy repayments

Introduction/comparison company

There are companies, such as Omacl which can help you to find the right bad credit online loan for you. They will gather some information from you about how much you want to borrow, what repayment terms you want and things like that and then come back with a suggested loan that fits your criteria. This means that you do not have to search yourself and find out information about different lenders, they will broker a loan for you. They may suggest lenders that you have not heard of and would not have thought about using, that could be cheaper than other options. This will also save you a lot of time and if you need to find out your bad credit guarantor loans in a hurry, then this can be a great way to go about it.

Search engines

Another way of finding out about companies that offer this sort of loan is to use your search engine. If you put in a search for bad credit guarantor loans, then you should find links to lenders that offer them. This could also though provide links to articles about them, such as this and other information about them. You will therefore have to sort through the listing and find the relevant ones and then look at each lender in detail to find out whether they are offering something that you want. This does enable you to be thorough and to investigate all of your options, but it can be very time consuming and in some cases it may also be difficult and confusing as well.

How much would you like?

Apply Now

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

Money forums/message boards

There are plenty of places online where people discuss money matters and there are some which specifically deal with online short term loans or sections within some that do this. If you look at these you will be able to find out about other people’s experiences with borrowing money like this. It can be useful to see what other people think of certain lenders and whether they had positive or negative experiences. However, it is worth pointing out that people tend to be more likely to give feedback if they have had a negative experience compared to a positive one. This means that you are more likely to find bad, rather than good comments. You can, however, judge them based on the amount of bad comments, but also consider what the comments are and whether they are relevant to you.

short term loans


Online directories can be a good place to find lists of lenders. They might be easier than using a search engine as you can look at the specific category that you need. Some directories will list anything that is requested they list and perhaps charge money for featured listings. Some charge for all listings. Therefore you need to be aware that most will not be an exhaustive list, but they could provide some help to help you be more aware of what lenders there are available to you.

So there are a lot of options for you to pick from. Especially if you’re a student. Some may be easier for you than others and it all depends on how much time you have and how much research you want to do, as to which you feel will be the best. You may decide to choose several routes and see which feels right or just use a combination of techniques to increase your chances of finding the right lender.

Warning: Late repayment can cause you serious money problems. For help, go to Omacl is a broker, not a lender, and does not make credit decisions.