We check that our loans are affordable to both the Borrower and their Guarantor before lending. A Guarantor loan is a type of unsecured loan which enables people without a strong credit history to access the funds they need, with the help from a friend or relative.
Guarantor loans are a good option for people who can afford the repayments and feel it is the best option for them based on personal circumstances, even if they have lower credit scores.Guarantors can be almost anyone who has known the Borrower for at least 12 months and who is willing and able to make the payments if the Borrower doesn't.
Guarantor loans are a good option for people who can afford the repayments and feel it is the best option for them based on personal circumstances, even if they have lower credit scores.Guarantors can be almost anyone who has known the Borrower for at least 12 months and who is willing and able to make the payments if the Borrower doesn't.
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About Us
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Based in Norwich, we first opened our doors in 2010 and have continued to grow ever since. Even though the team (and our loan book) is bigger, our goal has remained the same: to provide affordable, flexible loans to people who may have a less than perfect credit history and cannot secure the money they need through high-street banks.
Borrowing from us
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UK Credit is one of the country's most trusted lenders of Guarantor loans. We provide affordable, flexible unsecured Guarantor loans to those who may not be able to borrow from high-street banks. We understand that people who have hit a bump in their finances and have a less than perfect credit history need access to credit too and with it, a chance to rebuild their credit score.
How it works
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Once you've found a suitable Guarantor, you can apply for a loan through our secure, online website. You must have a Guarantor to borrow money through UK Credit. It is vital your chosen Guarantor understands their responsibilities and is happy to support your application and to make the loan repayments if you don't.
Am I eligible
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As a responsible lender, we do require minimum criteria to be met for our loan applications to be considered. We should remind you, you should always consider if you need the loan before completing your application. Below you will find the criteria which must be met to borrow from UK Credit as well as the criteria for your chosen Guarantor.
Open Banking
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Open Banking allows you to safely and securely share your financial data, such as income and outgoings, with regulated financial service providers. Having access to this information will allow us to assess your financial situation and make a decision about your loan. So why give UK Credit access? Open Banking means we can make an informed decision about your loan by reviewing your income and outgoings.
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