{"id":155934,"date":"2018-12-18T15:38:40","date_gmt":"2018-12-18T15:38:40","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=155934"},"modified":"2026-02-18T15:44:52","modified_gmt":"2026-02-18T15:44:52","slug":"non-homeowner-guarantor-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/guarantor-personal-loans\/non-homeowner-guarantor-loans","title":{"rendered":"Tenant and non-homeowner guarantor loans"},"content":{"rendered":"<h3>What is a guarantor loan?<\/h3><p>If you have a poor credit rating, banks could be reluctant to lend you money through a traditional <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">personal loan<\/a>. A guarantor loan is a personal loan that is guaranteed by a friend or relative \u2013 known as a guarantor. That means they promise to honour any debt if you, the borrower, default on your payments.<\/p><p>If the borrower can&#8217;t pay the loan, the guarantor takes over the repayments until the loan is paid off.<\/p><h3>What is a non-homeowner or tenant guarantor loan?<\/h3><p>A non-homeowner or tenant guarantor loan does not require the guarantor to be a homeowner (a person who owns their home outright or has a mortgage). Lenders look at your guarantor&#8217;s credit history, income and outgoings rather than any equity they hold in property. As long as they have a good credit history and can afford the loan, it doesn&#8217;t matter if they&#8217;re renting.<\/p><p>Non-homeowner or tenant guarantor loan rates won&#8217;t be as good as homeowner guarantor loans. The actual interest rate depends on a range of factors, such as the loan amount, the duration and the financial circumstances of both the borrower and the guarantor.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/div><\/article><h3>Why take out a non-homeowner guarantor loan?<\/h3><p>If you&#8217;re planning a big purchase or want to pay off an existing debt, you may have considered obtaining a personal loan. However, if your poor credit history prevents you from getting a loan with a traditional lender, a non-homeowner guarantor loan could be an option.<\/p><p>The &#8220;non-homeowner or tenant&#8221; part of the loan refers to <strong>the guarantor&#8217;s property status \u2013 not the borrower&#8217;s<\/strong>. If your guarantor is a tenant, renting or even living with their parents, but has a good credit rating, they could still be eligible to be your guarantor and could help you obtain a loan.<\/p><p>Asking a friend, family member or work colleague to be a guarantor is a serious commitment for both parties and could impact your credit record or financial situation as well as your guarantor&#8217;s if you default on your repayments.<\/p><h3>What should I look for in a non-homeowner guarantor loan?<\/h3><p>When it comes to comparing non-homeowner or tenant guarantor loans, there are some key features to look for. Ask yourself these questions before deciding on a loan.<\/p><ul class=\"list-1 has-margin-bottom\"><li><strong>Do we qualify for this loan?<\/strong> Don\u2019t waste time applying for a loan if you and your guarantor don\u2019t meet the minimum eligibility requirements.<\/li><li><strong>Can I borrow the amount I need?<\/strong> Will you be able to take out the amount you need, and will you be able to pay it back in a reasonable amount of time? If not, you might want to look elsewhere.<\/li><li><strong>Does it have a competitive interest rate?<\/strong> Most guarantor loans charge a fixed interest rate, meaning your monthly repayments will stay the same throughout the loan. Remember that the advertised rate is not necessarily what the lender will offer you. Lenders look at factors such as the credit score and income for both you and your guarantor, as well as your (the borrower&#8217;s) expenditure when deciding what rate to offer you.<\/li><li><strong>Can I make overpayments or repay the loan early?<\/strong> Most lenders will not penalise you for paying back some or all of the loan early. However, that does not necessarily mean that doing so will save you money in interest. In many cases, you will need to pay 1 or even 2 months of interest to settle your loan early.<\/li><li><strong>How long will I have to pay it back?<\/strong> Aim for a loan term that gives you monthly repayments you can afford without being too long. Otherwise, you could wind up paying a lot in interest in the long run.<\/li><li><strong>Are there any fees?<\/strong> Most lenders don&#8217;t charge fees on guarantor loans, but it&#8217;s always good to check.<\/li><\/ul><h3>Applying for a non-homeowner guarantor loan<\/h3><p>To secure a non-homeowner guarantor loan, there are a number of criteria you and your guarantor need to meet. These vary from lender to lender but typically include some or all of the following.<\/p><h4>Criteria for the borrower<\/h4><ul class=\"list-1\"><li>Aged between 18 and 75.<\/li><li>Either working full-time, part-time or for an agency; self-employed or a pensioner.<\/li><li>UK resident.<\/li><li>Holds a UK bank account.<\/li><li>Able to afford the loan.<\/li><\/ul><h4>Criteria for the guarantor<\/h4><ul class=\"list-1\"><li>Aged between 21 and 75 (in some cases, 18).<\/li><li>UK resident.<\/li><li>Has a good to excellent <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">credit rating<\/a>.<\/li><li>Can afford the payments if the borrower can\u2019t.<\/li><li>Not the partner or spouse of the borrower.<\/li><li>Comfortable to act as guarantor and understands the commitment they are undertaking.<\/li><\/ul><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"\/>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"\/>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Thinking about becoming a guarantor?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>If a friend, relative or work colleague has asked you to be a guarantor, there are some things you must consider before applying.<\/p><ul class=\"list-3\"><li>Do you trust them to make all the payments on time each month?<\/li><li>Are you sure the borrower can afford it?<\/li><li>Are you comfortable taking over the payments if something goes wrong?<\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n<h4>The application process<\/h4><p>Do your research and compare loans before applying, making sure both you and your guarantor meet the eligibility criteria. The application process usually goes as follows:<\/p><ol class=\"has-margin-bottom\"><li>Borrower fills in details and signs agreement.<\/li><li>Guarantor fills in details.<\/li><li>Lender checks both the guarantor&#8217;s and the applicant&#8217;s credit score and ability to pay off the loan.<\/li><li>Guarantor signs agreement.<\/li><li>Lender may contact the borrower, guarantor or both over the phone to discuss affordability.<\/li><li>Lender officially offers the loan once the lender is satisfied with both parties.<\/li><li>Borrower accepts the loan offer.<\/li><li>Lender issues funds to the guarantor, who can then transfer the amount to the borrower.<\/li><\/ol><p>Many lenders aim to complete and approve an application within 48 hours, though it can take longer due to the number of steps involved.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/personal-loan-documents\"><strong>What documents do you need to open a personal loan?<\/strong><\/a><\/p><h3>Pros and cons of non-homeowner guarantor loans<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Overcome bad credit.<\/li>\n                                    <li>Generally no fees.<\/li>\n                                    <li>Available with guarantors who don't own property (e.g., renting, council tenants or those living with parents).<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Need to find a guarantor with good credit.<\/li>\n                                    <li>Rates are typically higher than homeowner guarantor loans.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>If you&#8217;re someone with a poor credit score or have previously defaulted on a loan, a non-homeowner guarantor loan could be a suitable option to help you secure a loan. If this is something you&#8217;re considering, both you and your guarantor must meet a certain eligibility criteria. In this case, the guarantor is not required to be a homeowner but must have an excellent credit score and a good borrowing history. Something to keep in mind, though, is the guarantor must be willing to take this loan on if you miss repayments.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is the guarantor\u2019s home at risk if the borrower defaults on payments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A non-homeowner or tenant guarantor loan is not a secured loan, so it&#8217;s not tied to the home as collateral. However, if the borrower defaults, the guarantor will need to continue paying off the loan.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What if something happens to the borrower?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If the borrower were to enter into an individual voluntary arrangement (IVA), go bankrupt, simply stop paying or pass away, then the guarantor would become solely responsible for each monthly repayment until the loan was cleared.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can you stop being a guarantor?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In most cases, once all parties have signed the loan agreement and the money has been sent out, it&#8217;s difficult to stop being the guarantor. Only once the loan has been repaid in full by the borrower can you stop being a guarantor. In the sad circumstance where a guarantor has passed away, the lender should be contacted in the first instance.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Do both the guarantor and borrower require a credit check?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, the lender runs a <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">credit check<\/a> on both of you before deciding on your application.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Why do the funds get transferred to the guarantor instead of the borrower?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This is to avoid fraud and to guarantee the guarantor named in the paperwork really is the guarantor.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I get a loan if either myself or the guarantor live in a council house?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, lenders tend to focus on your affordability and credit history when considering your loan application.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Looking for a non-homeowner or tenant guarantor loan? Learn all you need to know about how they work, lending criteria and how to apply online.<\/p>\n","protected":false},"author":195,"featured_media":155964,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3609],"tags":[],"asset_tag":[],"class_list":["post-155934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guarantor-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tenant and non-homeowner guarantor loans | 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Looking for non-homeowner or tenant guarantor loans? 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