Two happy women decorating a room in a new home.

We make borrowing possible

Borrow up to £10,000 with a guarantor

Excellent 4.7 out of 5 Trustpilot logo

Representative 49.9% APR (variable)

Representative Example: Borrowing £4000 over 36 months, repaying £195.16 per month, total repayable £7025.76. Interest rate 49.9% (variable).

Why choose Amigo Loans?


We know your time is valuable, so we’ve tried to make things as simple and quick as possible. Our application only takes minutes to complete and the majority of our loans are paid out within 2-48 hours.

No fees

We hate fees as much as the next person, that’s why we don’t charge any. That’s right - no fees whatsoever!


Worried about your past? Don’t be. We’re more focused on what’s going on right now. So if you have poor or no credit, we won’t turn you away as long as you can afford the loan.

If someone's got your back,
Amigo can back you too.

Call us old fashioned but we base our lending decisions on trust. We don't believe in computerised credit scores letting us know if you're trustworthy or not. We prefer your friends and family letting us know we can trust you and that they're happy to back you up.

This is what guarantor loans are all about - trust.

Award winning for a reason:

We don't want to blow our own trumpet too much (okay, maybe we do a little), but we are proud winners of these awards.

  • Consumer Credit Award

    Consumer Credit Award 2019

    Best Guarantor Loan Provider



    Best Credit Builder Product

  • Best Companies

    Best Companies 2019

    2 star 'outstanding' accreditation

  • Business Excellence Awards

    Business Excellence Awards 2019

    Excellence in Financial Technology

  • Credit Excellence Awards

    Credit Excellence Awards 2018

    Alternative Lender of the year - Finalist

  • Consumer Credit Awards

    Consumer Credit Awards 2018

    Treating Customers Fairly Champion

Helping make your financial future better

We're all about second chances here at Amigo Loans.

Not only do we help you if you can't get the money you need from your bank or other mainstream lenders, we also want to help make your financial future better. This means, for every payment you make on time and in full, we'll let all of the major credit reference agencies know, which could help build your credit score.

We live and breathe simplicity

We always want to keep things simple. So we have multiple ways you can pay back your loan and manage your account. You can check your balance online 24/7 or download our free mobile app.

The Amigo Loans mobile app.
James, a happy Amigo Loans customer

Watch James' story

Happy Amigo employees.

Anything we haven't covered?