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Here at CashFlex, we provide both guarantor and no guarantor loans for those who do not require themone. Whatever your circumstances, we can find you the right type of loan from our panel of lenders. Our market-leading comparison tool enables us to quickly compare the interest rates and terms of a variety of options. 

What are guarantor loans?

Guarantor loans are a popular form of lending, especially for those with a poor credit rating and who have struggled to borrow in the past. With a guarantor loan, instead of basing the lending decision solely on your circumstances, a guarantor is also considered.

The person which acts as a guarantor co-signs the loan application and becomes responsible for repaying the loan, if the main borrower falls behind with repayments. In many situations by reducing the risk in lending to you, it is possible to benefit from lower interest rates with guarantor loans.

Which guarantor loans are available?

If you are looking to borrow between £100 and £5000, we will be able to match you to the ideal lender. Whether you have a perfect credit score or have struggled to obtain credit in the past, we have a variety of lenders which specialise in guarantor loans. The loans are designed to fit with your requirements, so you can choose repayment terms from 3 months to 3 years. Although, if you borrow more than £1000, the minimum repayment term is 12 months.

How do I apply for guarantor loans?

Our application process is designed to be as simple as possible, you can apply online from your phone, tablet or computer. The whole process will take just a few minutes and in some situations, the funds could be sent to your bank account within minutes. Although, the final funds' availability will depend on the processing speed of your bank.

To complete the application, you will need to be a UK resident, have regular income and be the holder of a UK bank account with a valid debit card. The guarantor for your loan will also need to meet the eligibility criteria and it is important that they also have this information to hand.

Once you have completed the application we will pass your details across to our panel who will conduct a soft credit search to see if you are eligible for a loan and you will be presented with a loan option that will be right for your circumstances. This may be one of the guarantor loans options that is available.

You will then be provided with the most competitive loan offer available. There is no obligation for you to proceed with the application and our service is completely free of charge to you. If you decide to accept the quote, the lender will conduct a final hard credit check.

As with all loans, you should consider the impact and affordability of the loan repayments. It is also important to understand that both you and the person standing as your guarantor understand the terms and conditions. To discuss your financial situation and to gain free advice, we advise that you contact The Money Advice Service and Step Change.

Try our FastCheck tool with no impact to your credit score

Our tool allows you to calculate your chance of being accepted for a loan.

You are age 18 and a UK resident

You have a regular income from employment

You have a valid UK bank account with an active debt card

Why choose us

Sometimes, the unexpected happens that means you need money fast. Here at Cashflex we offer a user friendly process to help you find same day loans in a responsible and affordable way.

How much can I borrow?

The exact amount you can borrow depends on your personal circumstances and can differ by lender. You can apply for a loan between £100 and £10,000

What are the repayment terms?

This is dependent on the amount that you wish to borrow. The repayment terms can be: 3 months, 6 months and 12 months to name a few, ranging right up to 36 months.

Can I apply for a loan with bad credit?

Yes. If you are unsure you can use our FastCheck tool to find out your loan eligibility.

Can I repay in instalments?


What will I need to get a short term loan?
Can I get a short term loan?

Over 18

You'll need proof that you are over 18.

Bank Account

Hold a valid UK bank account.


Have evidence of a regular income and UK residency.

Check out what our trusted customers had to say.

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Representative example: Amount of credit: £1000 for 12 months at £134.94 per month. Total amount repayable of £1,619.26 Interest: £619.26. Interest rate: 99.9% p.a. (fixed). Representative 99.9% APR.

We’re a fully regulated and authorised credit broker and not a lender.