Trusttwo non-homeowner guarantor personal loan review January 2022

Trusttwo are currently not accepting new loan applications at this time, but you can use our review to find alternative personal loans.


Maximum loan




Early redemption fee

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

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

Key details

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.
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Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Getting credit with a poor credit score is complicated, but not necessarily impossible.

Trusttwo is a direct lender that specialises in guarantor loans, allowing people whose credit rating is poor or fair to borrow money anyway, provided that they secure the help of a friend or family member that guarantees for them. Guarantors agree to repay the loan themselves if the borrower defaults.

Lenders usually offer a lower interest rate when the guarantor owns a house, but with Trusttwo, the difference between the two is not massive – so you can still get a decent deal even if your guarantor isn’t a homeowner.

In general, guarantor personal loans are more expensive than regular ones. However, the good news is that Trusttwo doesn’t charge any extra fees aside from the interest rate, even if your financial situation improves and you want to make overpayments. You can apply online in a few minutes and manage your loan from your online account.

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