In today’s financial climate, loans are sometimes hard to come by – particularly if you’ve had some bad fiscal luck in the past and your credit rating is not very good. But there is a solution to the need for additional capital if you have someone who can vouch for you. Guarantor loans are just that – their repayment is guaranteed by a third party, someone who knows you and will commit to paying back the loan in full if you can’t, for any reason. These loans can be for any purchase, from buying a new home to a car to getting money for repairs or an unexpected bill. In many cases you can apply online and get a positive answer very quickly. You and your guarantor both sign the paperwork, and the money appears in your account. It’s an excellent way to get the money you need at rates you can afford.