Back in the good old days banks worked on relationships and trust. If you wanted a loan your local bank would often simply ask for someone who trusted you to guarantee it. Then things changed, computer credit scores took over and millions of people were left out in the cold because their score didn't fit. We knew what it was like to be rejected so we built the old fashioned guarantor loan company we wanted to borrow from.
We don't just let computers decide if you can borrow. The most important thing for us is that you have a friend or family member who trusts you enough to guarantee to make repayments if you don't, and that you can afford to repay the loan. Before we pay out any guarantor loans, we have a good old fashioned chat over the phone with both you and your guarantor. We base our decisions on simple common sense.
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