Talk Loans Guarantor Loans

Talk Loans is a loans broker that was established in 2014.
They search a panel of UK lenders to find their customers the right product to suit their needs.
You can compare Talk Loans loan offerings in the table below.

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Talk Loans Guarantor Loans FAQ

Who is Talk Loans?

Talk loans is an online guarantor loan broker offering services that help people to find the right guarantor loan for their requirements. Talk Loans is a trading name of Butler Westbury Limited and is registered with the Financial Conduct Authority.

Does Talk Loans lend directly?

No. Talk Loans are brokers, not lender, which means they aim to match borrowers with lenders who meet their requirements and might offer them a loan. They work alongside lenders including those featured in our comparison tables.

What guarantor requirements does Talk Loans have?

In order to be a guarantor in an application for a loan through Talk Loans, guarantors must be over 21 and younger than 75. They must have a stable income and be able to afford the repayments if the borrower is unable. They are also usually a close friend or family of the borrower.

Some of the loans offered through Talk Loans would require the guarantor to be a homeowner and these loans can often come with lower interest rates than those offered in situations where the guarantor is a tenant.

How much can I borrow and for how long?

The amount you will be offered by a lender through Talk Loans will all depend on your personal requirements and factors such as your financial situation and that of your guarantor. Your guarantor’s credit record is also likely to be assessed by some lenders and this will also have a bearing on both the amount you are offered and how long you have to pay it off.

Generally, the quicker you pay off a loan, the less it will cost in total, so it’s sensible to borrow over the shortest amount of time you can afford.

Why might I want to apply for a guarantor loan?

Guarantor loans are popular among people who have poor credit scores or who have had CCJs against them, for example. If you can work alongside a guarantor who will ‘secure’ the debt for you by committing to making repayments if you are unable, you may find a guarantor loan is one of the options available to you.

What can I use the money for?

You are able to spend your guarantor loan on most things. Common uses for guarantor loans are debt consolidation, making major purchases (such as a car or a home appliance), setting up a business or paying bills. It’s not a good idea to take out a guarantor loan unless you have no cheaper alternative.

Can I repay the loan early?

Most guarantor lenders, including those working with Talk Loans, will allow you to make extra repayments or pay your loan off early without charging you for doing so. Make sure you check whether early repayment charges apply before committing to any specific loan.

Services offered by this provider may change over time. Always check Ts&Cs.

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Buddy Guarantor Loan
Representative APR
49.9% APR

Available Amounts
£1,000 to £10,000

Min / Max Terms
1 to 5 years

Guarantor Type
Homeowner or Tenant
Guarantor Criteria

Must be aged 18-75

Must be a UK resident

Must not be on an active bankruptcy, IVA or equivalent

Guarantor does not need to own a home

Borrower Criteria

Must be aged 18-75

Must be a UK resident

Must have a good credit history
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Representative Example: Representative APR 49.9%. Based on a loan of £3,250 over 36 months at an interest of 41.16% p.a. (fixed). Monthly repayments of £158.57. Total amount payable £5,714.67. Maximum APR: 49.9%.
Guarantor My Loan

Applicant and guarantor must both be homeowners
Representative APR
29% APR

Available Amounts
£1,000 to £10,000

Min / Max Terms
1 to 5 years

Guarantor Type
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Guarantor Criteria

Must be aged 25-71

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Must be aged 25-71

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Representative Example: Representative APR 29.0%. Based on a loan of £4,000 over 36 months at an interest of 8.74% p.a. (fixed). Monthly repayments of £160.61. Total amount payable £5,781.96. This includes £1,176.98 interest & £604.98 in fees. Maximum APR: 69%.
TrustTwo Guarantor Loan

Guarantor must be a homeowner
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37.9% APR

Available Amounts
£1,000 to £15,000

Min / Max Terms
1 to 5 years

Guarantor Type
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Guarantor Criteria

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Must be aged 25 - 74

Must have a good credit history

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Representative Example: Representative APR 37.9%. Based on a loan of £5,000 over 36 months at an interest of 32.57% p.a. (fixed). Monthly repayments of £219.36. Total amount payable £7,896.85. Maximum APR: 49.9%.
TrustTwo Guarantor Loan
Representative APR
49.74% APR

Available Amounts
£1,000 to £15,000

Min / Max Terms
1 to 5 years

Guarantor Type
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Guarantor can be tenant or living with parents

Must be aged 25 - 74

Must have a good credit history

Spouses or partners will not be accepted

Borrower Criteria

Must be aged 21 or over

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Representative Example: Representative APR 49.74%. Based on a loan of £5,000 over 36 months at an interest of 41.06% p.a. (fixed). Monthly repayments of £243.65. Total amount payable £8,771.52. Maximum APR: 49.9%.