Trusttwo homeowner guarantor personal loan review January 2022

Trusttwo Trusttwo (Tenant Guarantor) Personal Loan
Trusttwo Trusttwo (Tenant Guarantor) Personal Loan

Trusttwo are currently not accepting new loan applications at this time. Click here to compare other personal loans.

With Trusttwo you may be able to get a personal loan even with a poor credit score, provided that you have a close friend or family member that can guarantee for you.

A “poor” credit rating can become a financial nightmare if you’re in need of credit, with many traditional banks and lenders being unable to help. However, if you secure the support of a guarantor who’s willing to step in if you default or miss a payment, things may become easier.

Direct lender Trusttwo offers guarantor loans between £500 and £10,000 at a fixed interest rate, has an online and straightforward application process and allows some flexibility by not charging a penalty if you want to make overpayments.

The interest rate of a guarantor loan will usually be higher than that of a regular personal loan, but at least with Trusttwo you won’t have to pay any extra fee and, if your guarantor owns a house, you’ll even get a (slightly) discounted rate.

Late repayments can cause you serious money problems. See our debt help guides.


Loan typeUnsecured Personal Loan
Loan amounts£1,000.00 to £15,000.00
Loan terms1 Year to 5 Years
Loan rate typeFixed
Product fee0%
Same day funding available
Instant decisions in most cases
Soft-search facility available
Joint applications
Overpay without penalty
Concurrent loans allowed
Topping-up pays off existing loan and initiates a new loan
Repayment methodsDirect Debit
Representative example: Borrow £10,000.00 over 3 years at a rate of 36.9% p.a. (fixed). Representative APR 36.9% and total payable £15,644.16 in monthly repayments of £434.56.

Am I eligible?

Available toNew or Existing Customers
Age18 or over
ResidencyUK resident
Credit profilesFair, Poor
Acceptance noteApplicants with a tenant guarantor or a living with parents guarantor

Is the guarantor I have in mind eligible?

ResidencyUK resident for at least 3 years
IncomeMust have an income
CreditGood credit score and history
Additional requirementsThe guarantor must not be your spouse, but may be a close family member or friend. They must have separate finances to your own and be able to afford the repayments.

How does this loan compare against the competition?

Table: sorted by representative APR, promoted deals first
Name Product Total Payable Monthly Repayment Representative APR Link
UK Credit Limited Homeowner Guarantor Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 29.9% p.a. (fixed). Representative APR 29.9% and total payable £14,590.08 in monthly repayments of £405.28.

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