Amigo Loans – Guarantor Loans UK | Borrow £2,000–£10,000

UK Guarantor Loans

Amigo Loans — borrow when the banks say no

A guarantor loan lets you borrow £2,000–£10,000 with the support of a friend or family member — even if your credit score isn’t perfect.

Check my eligibility How it works

£2K–£10KLoan amount

12–60moRepayment terms

49.9%Max APR

Estimate your repayments

Loan amount£5,000

Repayment term36 months

£195

estimated monthly repayment

Representative 49.9% APR. This is an estimate only — your actual rate may differ. Late repayment can cause serious money problems.

Apply now — no impact on credit score

Simple process

How Amigo Loans works

Get a decision in minutes. Here’s what to expect from start to funding.

Check eligibility

Use our online form to see if you qualify — no hard credit check at this stage, no impact on your score.

Choose a guarantor

Ask a trusted friend or family member (aged 18–75) to back your application and agree to cover repayments if needed.

Receive a decision

Our team reviews both your and your guarantor’s circumstances responsibly before giving a final decision.

Get your funds

Once approved and signed, funds are transferred directly to your bank account — typically the same or next working day.

Loan details

Straightforward borrowing, no hidden surprises

Amigo Loans was founded on a simple idea: a credit score shouldn’t define your future. We look at your current situation, not just your history.

Borrow £2,000 to £10,000
Flexible terms from 12 to 60 months
No arrangement fees
Repay early at any time, penalty-free
FCA authorised and regulated
Improve your credit score with on-time payments

Loan amount£2,000 – £10,000

Repayment term12 – 60 months

Representative APR49.9% APR

Early repaymentAllowed, no fee

Guarantor requiredYes — friend or family

Regulated byFCA (UK)

Credit check impactSoft check at eligibility

Who can apply

Amigo Loans is designed for real people

If the banks have turned you down, you may still qualify for an Amigo guarantor loan.

Poor credit history

Missed payments or defaults in the past? We look at your full picture, not just a number.

Thin credit file

New to credit or recently moved to the UK? Building history starts with us.

Debt consolidation

Combine multiple debts into one manageable monthly payment at a fixed rate.

Big purchases

Car repairs, home improvements, or an unexpected bill — get the funds you need fast.

Guarantor guide

What does a guarantor need to know?

A guarantor backs your loan application and agrees to cover repayments if you can’t. Here’s what’s required.

18–75

Age requirement

Your guarantor must be a UK resident aged between 18 and 75 years old.

Good

Credit history

They should have a reasonable credit score and be able to meet repayments if required.

Bank account

A UK bank account in their own name is needed to process any guarantor repayments.

Any

Relationship

A friend, colleague, or family member (not a spouse or financial partner) can be your guarantor.

Customer reviews

What our customers say

Hundreds of thousands of people across the UK have used Amigo Loans to move their lives forward.

★★★★★

“I’d been turned down by every bank. Amigo understood my situation and approved me within a day. The process was clear and the team were genuinely helpful.”

Sarah T. — Manchester

★★★★★

“My sister acted as my guarantor and it all went smoothly. I used the loan to consolidate my debts and now I have just one payment to worry about.”

James K. — Birmingham

★★★★☆

“Straightforward application, fast decision, and money in my account the next morning. Did exactly what it said it would.”

Priya M. — London

Frequently asked questions

Your questions answered

Everything you need to know about Amigo Loans and guarantor borrowing.

What is a guarantor loan?

A guarantor loan is a type of personal loan backed by a trusted person — a friend or family member — who agrees to cover your repayments if you are unable to. This reduces the risk for the lender, making it possible to approve applicants who may have been declined elsewhere due to poor or limited credit history.

Can I apply with bad credit?

Yes. Amigo Loans specialises in helping people who have been turned down by mainstream lenders due to a poor credit history. As long as you and your guarantor meet our eligibility criteria, a past credit issue doesn’t automatically disqualify you.

How much can I borrow with Amigo Loans?

You can apply to borrow between £2,000 and £10,000. The actual amount offered will depend on your circumstances, your guarantor’s circumstances, and our affordability assessment. Repayment terms range from 12 to 60 months.

Does applying affect my credit score?

Checking your eligibility uses a soft credit search, which does not affect your credit score and is not visible to other lenders. A full application will involve a hard credit search, which will be recorded on your credit file.

Who can be my guarantor?

Your guarantor must be a UK resident aged 18–75 with a good credit history and their own UK bank account. They can be a friend, colleague, or family member, but must not be your spouse or financial partner.

How quickly will I receive the money?

Once your application is fully approved and all documents are signed by both you and your guarantor, funds are typically transferred to your bank account the same or next working day.

Ready to apply for an Amigo Loan?

Check your eligibility in minutes — no impact on your credit score.

Start my application