Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Guarantor loans are a popular way of borrowing, as they are often the only way some individuals can be approved. For example, if a person is struggling to gain approval due to poor credit history, providing a guarantor could mean the loan is accepted.

What is a guarantor?

A guarantor will reduce the risk to the lender, as they co-sign the finance agreement and become jointly responsible for the loan repayments. The guarantor provides a ‘guarantee’ that they will make loan repayments if the original borrower fails to make their payments. Due to the financial risks involved, it is important that both parties trust each other and understand the terms and conditions.

Who can be a guarantor?

In many cases, individuals choose parents, spouses, relatives and close friends to act as guarantors. This is because anyone you choose as a guarantor will be liable for the loan if you are unable to keep up with repayments. So, who you choose to be a guarantor must be someone you can trust and who trusts you. Although, there are some criteria which they must meet.

For example, they will need to show that they have a regular income, financial stability and good credit history. The person must also ensure that they have read and understood the terms and conditions before agreeing to co-sign for the finance agreement.

What guarantor loans are available?

As a broker, we can offer a variety of guarantor and no guarantor loans through our panel of lenders. Amounts range from £100 to £5000, with repayment terms of 3 months up to 36 months. Before applying for a loan, it is important to think about the financial implications. Organisations such as Step Change and The Money Advice Service will be able to offer advice.

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.