You asked us for a direct deal on guarantor loans at a market leading rate - we listened. You asked us for a guarantor loan contract that auto-fills with your details from Fast-Track and downloads online in seconds - we listened. We understand that being asked to fill out detailed forms upfront without knowing whether you would be considered for a loan or before seeing a contract isn't reasonable. You also asked us for guarantor loans that can be paid out the same day - we listened. It is now possible to pay out your loan on the same day you apply, in most cases, if you follow our instructions carefully. So, if you have a homeowner guarantor and meet our criteria detailed below, please take a minute to apply now.
Our guarantor loans are simple and direct. You can call us free from a BT landline, chat to us online or apply direct online. Our team is friendly and we're here to help. You can view or print your Consumer Credit Agreement by filling out our short form. The process is secure and totally confidential. We send you a unique PIN to the email address you give us on Fast-Track. This lets you choose your loan amount and term. Then you download your personalised guarantor loan documents, which include documents for your guarantor and copies for you to keep.
We don't switch to expensive 0870 numbers once you have applied - you can always call us free. The number is at the top of the page. Thanks for visiting us here at guarantorloansdirect.co.uk.
Please read the instructions below very carefully to avoid disappointment
Applicant FAQ YOU must be 21 or over, resident in England or Wales, be in full-time employment receiving a minimum gross wage of £1,000 per month paid directly into a UK bank account. No IVA's or bankruptcy cases can be considered - sorry! To qualify for a loan greater than £3,000 you must be receiving a minimum gross wage of £1,500 per month.
Guarantor FAQ YOUR GUARANTOR must be a UK homeowner between the ages of 25 and 75, be in full-time employment receiving a minimum gross wage of £1,000 per month paid directly into a UK bank account with an excellent credit history and not be your partner or spouse living with you. They must have no shared credit with the applicant. To qualify for a loan greater than £3,000 they must be receiving a minimum gross wage of £1,500 per month.
Apply above and within seconds we will send your PIN (Personal Identification number) to the email address you provide on Fast-Track. Enter your 13 digit number in the box marked PIN on this page and you will be able to download your personalised Consumer Credit Agreement (CCA) - not just another "assessment" form. Once you have read the pre-contract information (PCI Secci) and the contract conditions, YOU can then decide whether to proceed before giving out any further personal details!
Guarantor Loans Direct
Guarantor Loans Direct are commited to responsible lending, which is why we abide by three core principles:
Guarantor Loans Direct guarantee not to charge any application fees. Just as important, we will not pass your details to any third party (or separate division of our company) that does. This has become common practice in the unsecured loans market. Under Section 155 of the Consumer Credit Act, the broker is only entitled to retain a "nominal fee of £5" if they fail to find you a loan that completes within 6 months of your original enquiry.
Guarantor Loans Direct have a comprehensive TCF (treating customers fairly) policy that ensures customers are treated fairly at all times. It is central to our culture and is a cornerstone of the OFT's regulations governing unsecured lending. If your prospective lender does not comply with the TCF principles - avoid the headache and "walk away".
Guarantor Loans Direct will only lend to customers who can comfortably afford to repay the loan. Reliance on the guarantor should be viewed as a last resort only - unscrupulous introducers and lenders are exploiting customers who could struggle making their repayments. Unlike other lenders, Guarantor Loans Direct do not subsidise defaults with higher interest rates - our goal is to lower interest rates for all and to eliminate defaults altogether.
As well as offering an alternative route to credit to those who cannot acquire it, guarantor loans direct offer a great way of rebuilding your credit history. You can also top-up your loan by up to £2,000 after making 12 payments. We aim to reward our customers with lower interest rates following successful repayment of their first loan.
Guarantor Loans Direct offer a dedicated free-phone helpline and there is no obligation prior to signing the Consumer Credit Agreement, which also has a 14-day cooling off period should your circumstances change or if you simply change your mind (this is a statutory requirement). Both FAST-TRACK and LOANSERV™ are free services.
Unfortunately, Guarantor Loans Direct cannot consider IVA's or bankruptcy cases. Both you and your guarantor must provide a landline contact number.
If you have any questions - please check the FAQs section on this website - it's the most comprehensive in the industry. These are also contained within your Credit Agreement.
Remember - do not apply for other guarantor loans in the meantime as multiple applications will affect your ability to obtain credit anywhere in the future.
