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Make an application on our website, tell us how much you’d like to borrow and over how many months. We’ll ask you to fill in a straightforward budget plan. This helps us to make sure the loan payments are affordable and is much quicker than doing it over the phone.
We’ll give you a link to send to your guarantor so they can complete their part of the application. Once your guarantor is accepted, we’ll also ask them to complete a budget plan. This is to make sure the payments are affordable, just in case they ever needed to step in.
Once your guarantor has finished their part, we’ll give them a quick call to confirm their details and to arrange paying out the money. We may need to give you a call too, just to finalise everything. We'll always let you know if and when we can pay out the loan.
We aim to pay out every loan within 24 hours of the guarantor being accepted. We pay the money into the guarantor’s bank account, for them to give to you. This is to protect customers from fraud, by making sure the guarantor is aware of the loan.
Q How long does it take to get my loan?
Q Can I get a loan without a guarantor?
Amigo Loans is a guarantor lender; all of our customers must have a guarantor for us to lend to them. A guarantor is a great sign to us that someone trusts you and that we should too, no matter what your credit score!
A guarantor's responsibility is to make the loan repayments if the borrower does not. A suitable guarantor is someone who is aged 18-75, has a good credit history with no trouble paying bills in the past, and who can afford to make the monthly payments if you don't.
Q How do I find a guarantor?
Q I got a loan approved letter but they don't live at the address?
Q What is the guarantor's responsibility?
Q How do I change my payment date?
To change your payment date, log into your account, click on the ‘Repayments' tab and select the new date for your monthly repayment.
Alternatively, if you are a borrower, you can download our free App amigoloans.co.uk/mobile-app and select a new payment date. Managing your loan through our App is quick and easy.
You can also call our collections department on 01202 629 161 (9am-7pm Mon-Thurs; 9am-6pm Fri; 9am-1pm Sat).
You can only move your payment date further away by a maximum of 20 days. For example, if your payment is due on the 3rd of every month, the furthest you can move your date to is the 23rd.
Q When am I eligible for a top up?
Q Can the loan be paid off early?
Approaching someone to be your guarantor can be a bit daunting. We believe that the key to this is preparing yourself for their questions and concerns, and to answer them confidently, which is why we put together this helpful video guide to guarantor loans.