If you have a poor credit history or you're struggling to get credit, you may find a joint loan is the answer. It could also help to rebuild your credit file. Whoever you have a joint loan with MUST have a good credit history, even if you don't.


How does it work?

You can apply for a loan between £500 - £7,499 (subject to status)

Find someone who is willing to apply for a loan with you. 

If you want to borrow more than £5,000, one of you will need to be a homeowner.

You will both becomes responsible for the repayments.


Applicant Criteria

Must be over the age of 18 years

Must be a UK resident.

At least one applicant must be employed.

At least one of you must have a very good credit history with no CCJs or arrears.

Must be a homeowner to guarantor more than £5,000.



A joint loan could improve your credit file

and make getting future loans easier

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