Guarantor Loans

  • £1000 to £7500
  • 1 to 5 years
  • 49.7% APR representative

You will need a friend or family member who knows and trusts you, who can support the loan if for any reason you are unable to make a payment

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Instant Cash Loans Ltd. trading as The Money Shop is acting as a credit broker exclusively on behalf of George Banco Ltd. We do not charge a fee for this service, but we do receive commission directly from George Banco Ltd.

Apply for your guarantor loan in 3 simple steps:

Apply Online

Get an instant quote with no negative effect to your credit file

Get a decision

Get your tailored loan solution presented to you

Money deposited

Accept the offer and get your loan transferred into your guarantor's account

What is a guarantor loan?

  • A financial arrangement between 3 parties; George Banco as a Lender, you as a Borrower and your Guarantor
  • A quick and simple option
  • You will need someone who knows and trusts you such as a friend of family member, who can act as a Guarantor for you in the unexpected circumstance that you were unable to make a payment
  • Make sure you explain to your Guarantor their financial obligations should you be unable to make a repayment - that they will be responsible for the payment(s)

If you have previously been turned down for credit, then our partner George Banco may be able to help!^

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You will be transferred to the George Banco website to make your application.

Who can act as my Guarantor?

A Guarantor is someone who knows and trusts you and is aware of your financial situation. You could ask members of your family or friends who might normally help you out financially on occasions, specifically;

  • Parents
  • Grandparents
  • Brothers / Sisters
  • Extended family members
  • Friends

You could also approach your work colleagues or employer. Don't forget it is best to explain your circumstances, why you need the money and confirm that you can afford the repayments. If you are a student then your Guarantor must be a parent or relative.

You must:

  • Be 18+ years of age and a UK resident
  • Have a UK bank account and a valid UK debit card
  • Not be subject to a current Individual voluntary arrangement (IVA) or bankruptcy order
  • Have a regular income
  • Ensure you can afford to make the repayments

Guarantors must:

  • Be 25 to 75 years of age and a UK resident
  • Have a UK bank account and a valid UK debit card
  • Have a good credit history
  • Not be subject to a current Individual voluntary arrangement (IVA) or bankruptcy order
  • Have a minimum monthly income after tax of £1,000 (inclusive of pensions)
  • Be a parent or relative to act as a student Guarantor
  • Be able to afford to make the repayments if the applicant fails to make a payment

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