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What is a Guarantor Loan?

A guarantor loan is a specialist product designed for those with poor credit ratings to help get themselves out of debt. It's just like any other loan, except the difference is that Consollo will overlook a poor credit score, as long as you have a guarantor who will vouch for you, and, should you miss any repayments, will cover the cost themselves. This guarantor could be a family member, a friend, a neighbour or a colleague. It really doesn't matter as long as they believe that you can make the repayments.

With a Consollo guarantor loan, you can consolidate your smaller debts and repay the money on an agreed schedule with a far lower rate of interest than you would be subject to with a payday loan. This means that not only are you not racking up more and more interest, but also that you can get on top of your finances, all while rebuilding your credit score in the process.

How Can Consollo Help You?

If you’re constantly borrowing from payday lenders, the interest will quickly rack up and you may find yourself in an awkward position. With Consollo, you can consolidate those loans by borrowing between £1,000 and £7,500 and repay over a period of between one and five years.

We know that when it comes to money, not everyone fits the same mould. A low credit score can mean that you won’t be considered for a loan, no exceptions, until now. We are happy to overlook your credit score as long as you can provide a guarantor – someone to ensure that you can make the repayments, and, should you not be able to repay, will make the payments on your behalf.

What’s even better, is that apart from getting the loan you need, your repayments will also help to build your credit score, and leave you in a better financial position once the guarantor loan has been paid off.

So if you’ve been rejected by other loan companies, don’t give up. We don’t judge you based on what a computer says. Our decisions are made by people, and if we feel that we can trust you and your guarantor to pay us back, then we’ll happily give you a chance.

Why Choose Consollo?

Consollo is dedicated to helping people get themselves out of difficult financial situations. Often debt can spiral, and this can result in people not being able to get the help they so desperately need because their credit score doesn't meet a certain level. We put our customers first, and provide support throughout the duration of their guarantor loan so that they can target their debt successfully.

Advantages of a guarantor loan from Consollo:

  • Funds paid into your guarantor's account quickly upon approval
  • We don't judge you based on your credit score
  • You can borrow a larger amount than a payday loan
  • Interest rates substantially lower than payday loans
  • One of the very few finance solutions for people with bad credit
  • Gives you the opportunity to rebuild your credit rating
  • Helps you get yourself back on the right track

Disadvantages of a guarantor loan:

  • You will need to find somebody willing to be your guarantor


A guarantor loan from Consollo could be the first step towards sorting out your finances once and for all. Don't just take our word for it though, see what our other customers have to say. You can read more on our testimonials page.

 Very good customer service with prompt funding. I would recommend Consollo to friends and family. 

Adam R. from Brighton

 Your team were excellent in providing my loan as they explained the conditions and terms in a simplified manner and I received my loan quickly, without any complications. 

Carol M. from Cheltenham

 I have had experience of other guarantor loan companies in the past but have to say that Consollo have been by far the best. 

Stuart C. from Peacehaven

 Your advisors were professional, courteous, patient and kept both myself and guarantor up to speed with what was happening. All in all a fantastic product from a fantastic company. 

Jonathan B. from Matlock

How to Pay

There are a number of ways for you to pay off your loan – the easiest is by direct debit, which can be set up to make regular payments until your guarantor loan is completely paid off. You can also pay by card over the phone – whatever is most convenient for you.


Payday loans are infamous for their high interest rates. At 47.5% APR, you’ll be miles better off borrowing with Consollo. With payday loan companies, you could be paying around forty times more interest on your loan than you would with us. Don’t get caught out, make the smart choice.

Late Payment

We want to avoid late payments as much as you do. If you find that you’re having trouble making the repayments, don’t let it become a bigger problem than it needs to be. Get in touch and we’ll do our best to work something out for you. Where your loan is guaranteed by another, it does mean that any payments you are unable to make will be passed onto them.

In rare circumstances, where we can not reach an agreement with the borrower or their guarantor, we will pass on the debt to a collection company or let a court make a judgement on how the issue should be resolved. Regardless of the outcome, neither yours nor your guarantor’s home will be at risk.

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


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