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Guarantor Loan

Sometimes, you have to fork out money to handle expenditures way past your budget. It could be to purchase a new car, renovate a house, or pay for a vacation. These heavy expenses weigh down on your bank account, and you’ll need to supplement it by taking out a mortgage or a personal loan. But what if you can’t get approval to take out a loan or have a shaky financial history?

A guarantor loan is the next best alternative to consider when you can’t get a personal loan because of certain circumstances. This loan type requires an individual to cosign the contract. If you default, the person backs you up, and the responsibility of paying the loan falls to them.

What is a Guarantor Loan, and How Does It Work?

A guarantor loan is money you borrow with a person, usually a relative or close, trusted friend. These loans are similar to unsecured loans. The primary distinction is that the lending institution will need some collateral to ensure they will be repaid.

Guarantors play an essential role in this context. These individuals promise to pay the debt in full or monthly if the borrower cannot do so. The borrower and guarantor should give this agreement significant thought because it has legal consequences if broken.

These loans benefit people with a low income, bad or no credit history, and poor financial history. In this case, the guarantor fulfills the necessary criteria that the borrowers could not.

If you’ve been turned down for a loan, you can only be eligible if your guarantor has excellent credit. You should also note that the interest rate on a guarantor loan is higher. This is unlike the rates on personal loans taken out by borrowers with strong credit.

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When Should You Consider a Guarantor Loan?

Better interest rates are one of the reasons why several people opt for this loan option. However, it’s much more than that. You should consider this option for the following reasons:

  • No Credit History: Have you never borrowed before? Do you lack a credit history? Then, a guarantor loan is a good starting point to build that credit score.
  • Bad Credit History: having a bad financial track could hinder several things, especially borrowing money. A guarantor loan makes the process easier, as they would have a solid backing to compensate for your bad credit.
  • Low income: Another problem that could be in your way of getting approved for a guarantor loan is low income. If this is so, you need a guarantor to borrow money.
  • Too Much Debt: When you already owe your lender so much, they might be wary about loaning you money. A guarantor makes it easier to secure another loan.
  • Lack of Collateral: Sometimes, you need to secure your loan with an asset, like a vehicle or building. A guarantor loan is your next best alternative if you don’t have any of these.

Pros and Cons of a Guarantor Loan

Pros of guarantor loans

  • Faster approval: If you can find a guarantor with a high credit score, you may be able to secure a loan that you wouldn’t otherwise qualify for.
  • Greater loan amount: If your guarantor has a stable source of additional income, you may be able to increase the amount of assistance you receive.
  • Better interest rates: With a reliable guarantor, you can get cheaper interest rates from your lender.
  • Improved terms: You can reduce the risk to the lender and potentially improve the terms of your loan by using a guarantor.

Cons of guarantor loans

  • Guarantor risk: When you cosign a loan, your guarantor assumes many risks. This includes the possibility of having to pick up your payments if you stop making them.
  • It might strain your relationship with the individual: If you don’t make your repayments on time, it affects your guarantor, which might strain your relationship.
  • Combines application: You need to convince the guarantor first so that you can both work on the application together.
  • No assurance of getting the loan: A guarantor loan is not a sure thing; your application could still be rejected.

Who can be a Guarantor?

Choosing a guarantor is much more than picking someone you trust or selecting a person who would readily cosign your loan. Picking a guarantor is also about meeting requirements. Not every person you trust might fit the criteria necessary for obtaining a guarantor loan.

That said, we have listed and explained the essential requirements for a person to be a guarantor in Canada.

Age requirement

Your guarantor needs to be of legal age in the province or territory where the loan will be taken out. In Canada, that means you are at least 18 or 19.

Canadian Resident

Most lenders want the guarantor to be a Canadian citizen. In some cases, they can be resident who has been in the country for a long time. Even if they’re not residents, they should be staying within the country for a while.

Income

Next, your guarantor must have a reasonable income that will allow them to comfortably afford your payments if you default. During the application, they might have to submit proof of income or savings to show they can cover the loan.

Good Credit

One of the most important things when applying for this is that the guarantor must have a good credit score. A credit score between 650 and 900 and a reliable payment history should suffice.

Consistent Employment & Housing

Your chances of getting approved increase if your lender sees that your guarantor has a good job and housing. Guarantors might have to provide proof of their employment history and documents showing how long they’ve been at their current location. These documents will ascertain that they won’t take off if you default.

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How Does a Person Become a Guarantor?

Becoming a guarantor is easy, provided you have met the requirements. Generally, the following procedures must be completed before a person can serve as a guarantor:

  • Prove that you’re eligible: You must provide evidence of your ability to be a guarantor before agreeing to take on that role. Lenders typically ask for a borrower’s identification, a letter of employment, a statement of assets, and bank statements.
  • Sign documents agreeing to guarantee the borrower: If the lender accepts you as a guarantor, you’ll need to sign a form before a lawyer. With this, you make your promise legally binding.

However, you should understand the guarantor loan agreement and any other paperwork you’ll need to sign. It’s essential to double-check the following items:

  • If the lender is using the entire asset as security or just a portion of it
  • Whether you’re guaranteeing a certain sum or future advances
  • What circumstances would require you to repay the loan

Once you fully understand the terms of the agreement, you can decide if or not you want to proceed.

What are the Advantages and Disadvantages of Being a Guarantor?

Being a guarantor carries certain dangers, but there are also many advantages that you might be able to take advantage of. The benefits and drawbacks of serving as a guarantor are as follows:

Pros of being a guarantor

  • If the borrower makes timely payments, it increases your credit score         
  • You help improve the borrower’s credit
  • It allows the borrower to get the loan
  • You might never need to pay anything if the borrower doesn’t default

Cons of being a guarantor

  • You’re putting your credit score at risk
  • If the borrower defaults, you assume responsibility

Important Questions to Ask Before Guaranteeing a Loan

Being a guarantor is a huge responsibility with a lot of risks. Therefore, before you become one, you should ask yourself a few questions. These include:

  • Do you believe the borrower will always be prompt with payments?
  • Can you rely on the borrower to make the loan repayments at all?
  • Why does the borrower need someone to cosign the loan?
  • Are you able to make up any omitted payments?
  • Can you afford to pay back the entire loan?
  • Are you concerned that providing a guarantee for a friend or member of your family would sour your relationship?
  • Will the guarantor loan impair your future capacity to obtain a loan on your own?
  • Will you need to put up your assets as collateral?
  • What portion of the loan will you be guaranteeing?
  • Can you withdraw yourself from the contract later?

Asking yourself these questions can help you decide whether or not you should be a guarantor, even for a trusted friend. Guaranteeing a loan is something you should only do if you’re comfortable with the answers you get. You should only take on the responsibility if you have a stable financial condition.

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Essential Factors You Should Consider Before Becoming a Guarantor

While pondering over these questions, there are a few factors to consider. First, as we already mentioned, being a guarantor is a big step that may affect you negatively. So, you must think it through if you find yourself in these shoes.

That said, here are essential things to consider before agreeing to become a guarantor:

Payments Will Be Your Responsibility

You should feel at ease taking over loan payments in the event of a borrower default. Consider whether the prospect of additional loan payments is something you can handle before committing to the role.

The Borrower Should Seek Insurance Protection

Insurance is an excellent way to protect you from assuming the entire guarantor loan payment if something unexpected happens. The insurance policy will pay out the debt if the borrower is disabled or passes away while still owing.

A Guarantor Loan Can Affect Your Credit

It takes time and effort to build good credit. You don’t want to take any actions that could lower your credit ratings. Doing so might make it harder for you to get credit or loans in the future.

However, your credit score might take a hit if the borrower fails to repay the loan. When this happens, you’ll also be taking on the loan’s financial obligations. The bad part is that your credit may suffer if you cannot make your payments on time.

Other Types of Guarantors

There are numerous situations where a person would need a guarantor. One of the most common scenarios is helping those with a bad credit history or who don’t make enough money. However, guarantors are not always supposed to bear the full financial burden of the guarantee.

We have listed and explained different conditions where a guarantor would be necessary.

Limited and Unlimited Guarantors

A guarantor may be limited or unlimited in terms of timelines and financial commitments. Limited guarantors may be asked to back a loan only for a set period. Afterward, the borrower is responsible for making the remaining payments and bears the repercussions of default.

A limited guarantor may also be limited to guaranteeing a fixed sum or just a portion of the loan. This contrasts with unlimited guarantors, who are responsible for the total loan amount. It all boils down to the terms of the loan agreement.

Guarantors as Certifiers

Besides getting a loan, people use guarantors when they need someone to certify them. In this case, they probably need to get a job or travel papers. The guarantor attests that they know the candidates and that they can vouch for the person.

This might require the guarantor to verify his identity with government-issued identification. It’s also worth noting that the guarantor is the first point of call if the guarantee is involved in misconduct.

Guarantors for Tenants

Loan applicants with less-than-perfect credit histories aren’t the only ones who turn to guarantors. Some landlords ask new tenants, especially students, to get a guarantor. Guarantors are often the parents and are necessary if the student defaults on rent payments or terminates the lease without notice.

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How to Find a Guarantor for Your Loan

If you’ve been turned down for a loan, you may need to ask someone to stand in as a guarantor. Remember that this is a serious responsibility on the shoulder of the person standing in for you. You’re asking the person to sign an agreement obligating them to repay the entire debt. In some cases, it might be only a part of the loan; nevertheless, it is a significant favor to ask.

If they can’t make the payments on your behalf, it will badly affect your credit history and theirs. You already know that having a lower credit score also affects their credibility to get loans.

Therefore, you should talk to someone who knows you well. You can increase the likelihood of getting the person to agree if that person is a close friend who trusts you.

Tell the truth about your financial situation, including why you were turned down for a loan. Also, inform them about how you plan to handle the repayments. You can win their trust if you show that you have seriously considered how you’ll return the guarantor loan.

It could be helpful to explain why you need the money in the first place. Do you have fees to pay? Is there an urgent repair that your house needs? Whatever the reason, it should be a valid one.

Be considerate in your approach and know that you can get a negative reaction. Never enter into a guarantor loan agreement without careful consideration, as non-payment by any party can affect both of you.

Where Can I Get the Best Guarantor Loan in Canada?

There are several lenders that Canadians can choose from; however, Lendingmate remains a top choice. Lendingmate is the best lender that offers a guarantor loan to Canadians. The platform makes the process of getting a guarantor loan very easy.

You can apply in a few simple steps, and they will also send a link to your guarantor for their application. Using this link, guarantors can complete their part of the application.

Lendingmate also ensures to get your money to you within 24 hours. However, that depends on how fast you and your guarantor can complete the application.

They have reasonable interest rates and flexible repayment terms. There are no early payment fees, so you can pay more than your monthly repayments.

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What If I Can’t Find a Guarantor?

You should consider other alternatives if you can’t get a guarantor loan. This includes:

  • Bad credit loans from lenders: These alternative lenders work specifically with borrowers with poor credit. Thus, they consider other aspects like income and employment status when accepting a borrower for a bad credit loan.
  • Credit Improvement loan: You might want to enhance your credit rating to improve your chances of getting a conventional loan in the future. You can raise your credit score by taking out a credit builder loan. With this, you ensure to make repayments on time as this would go towards building your credit score.
  • Debt relief: There are debt relief programs that can help you successfully reduce your overall debt. This is best if you are drowning in debt and finding it difficult to get out of a financial hole. Note that this might
  • Credit Counseling: If you’re unsure about what to do to repair your credit, you can consult with credit counseling agencies.
  • Borrow from friends or family: Ask a family member or friend to lend you some money while you improve your credit rating.

How to Get a Guarantor Loan

Applying for a guarantor loan is easy once you’ve found someone to cosign your loan. You only need to follow a few steps to get started.

1.  Check your credit score

Yes, you might already know if you have a low credit score. However, you must be sure first before proceeding with the loan. Once you are, move on to the next step.

2.  Find a Moneylender

Finding the right money lender is the next step. Ensure they offer guarantor loans before applying

3.  Compare Money Lenders

Don’t settle for the first lender you find and search for others. Once you have several options, you can compare their rates and terms to see which is better. Ensure that the lender you decide on has a good reputation, as there are several scams out there.

4.  Fill Out An Application

When you’re ready to apply, you and your guarantor need to submit an application. The application could be online or in-person, depending on the lender. Note that you and your guarantor must fill out all your personal and financial details correctly.

5.  Submit Other Documents if Requested

Lenders would ask borrowers and the people standing in for them for extra documentation. You might need a government-issued identity card, bank statements, tax returns, and other proof of income.

Loans with guarantors can be handled quickly, often in just one day. The information must be provided through an online application by both the borrower and the guarantor. The entire procedure will run more smoothly and quickly if the information is submitted promptly and without any omissions.

There are a few things that could delay the process. One of these is if the lender is unable to reach your guarantor. Another is if paperwork is missing or some documents you failed to attach. Therefore, ensure that you follow due process to the latter so that your loan can be processed quickly.

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Tips to get Your Guarantor Loan Approved

  • Try to find a specialized lender: locating a lender that deals only with guarantor loans is better. Not every money lender would approve these loan types.
  • Show that your salary can meet the loan’s payback requirements: You must be able to show that you will have sufficient monthly income to repay the loan in bits. There’s a high possibility that you’ll be rejected if you don’t have a steady income.
  • Use a creditworthy person as a cosigner: You should try to get a loan guarantor with a credit score of 650 or higher.
  • Eliminate as much debt as possible: Reduce your debt-to-income ratio by paying off some minor bills.
  • Don’t get into debt over something you don’t need: Ensure that whatever it is you need the money for is valid. Never go for a guarantor loan if you don’t have a solid reason. Furthermore, requesting a smaller loan is also good as it increases the possibility of approval.
  • Have a good reason for getting a loan: If the lender understands where the money is going, they’re more likely to approve the loan. On the other hand, it might be hard to get approval if there’s no valid reason.

Guarantors, Joint Borrowers, and Cosigners – What is the Difference?

When it comes to Guarantors and cosigners, the distinction comes down to ownership and liability. The names of cosigners are frequently on the title of the assets they sign for, such as when buying a home or buying a car. For a cosigner loan, you are obligated to make payments if the principal borrower defaults.

Like a guarantor, a cosigner gives the borrower more security and a guarantee of repayment. However, when the principal borrower defaults, the lender may seek payment from the borrower and the cosigner.

On the other hand, guarantors’ names are not shown on asset titles. They only become liable after the lender has used all available legal avenues to pursue the original borrower. In other words, the lender can only go after the guarantor after trying everything to collect from the principal borrower.

Cosigners are more common when it comes to personal and student loans. Guarantors are more common in business loans and mortgages.

A joint borrower is someone that takes out a loan with you. If the lender accepts your application, they issue the personal loan in both of your names. Both parties are also responsible for repaying the loan. Additionally, joint borrowing may affect your credit records and ratings, just like a guarantor loan.

Choosing Your Lender

Your lender is one of the crucial things to consider when looking for a guarantor loan. You should look for a specialized lender because not all banks offer this loan option.

A guarantor loan and bad credit loans are not something those conventional lenders specialize in. Thus, you will have to look for one that caters to individuals seeking a guarantor loan.

You should exercise caution while choosing a lender, as not all are genuine. You could be in a problem if you work with a subprime lender that doesn’t have your best interests in mind. Borrowers with low credit histories are often the targets of lender scams, which they may not discover until it is too late.

How do you tell if a lender is genuine or not? You could ask around to learn the reputation of the lender in question. If they have a bad one, you should keep off and look for someone else. Settle only for lenders that have a decent reputation.

Loan sharks will make unrealistic promises, so stay away from them. They will offer large loans but tag them with exorbitant interest rates. Interest rates on loans from loan sharks are much higher than those set by law. A loan shark would, for instance, offer someone $10,000 with the requirement that $20,000 must be repaid within 30 days.

Licensed moneylenders do not compel, threaten, or pressure prospective clients into using their service. On the other hand, loan sharks do. When an agent starts a conversation with you, be mindful of how they come across. Too harsh or too sweet words might be an indication that you should stay away.

Guarantor Loan Conclusion

A guarantor loan is an excellent alternative if you can’t get a personal loan due to bad credit history. On the flip side, they have higher interest rates, and it might be challenging to find a guarantor. If you happen to be the guarantor, there are certain risks attached.

Like a cosigner loan or any other loan type, you need to understand the terms of your agreements first. Not all moneylenders have your interest at heart, and some might be scams. That said, go for trusted money lenders, like Lendingmate.

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FAQs about Guarantor Loans

Does a Guarantor Need to Be Employed?

A guarantor's employment status is irrelevant from a legal standpoint. However, the lender would want to be sure that the guarantor can repay if the borrower defaults. Having a steady source of income is necessary to be able to afford monthly loan payments.

Will My Credit Be Affected if I take Become a Guarantor?

Being a guarantor might hurt your credit scores if the borrower does not repay the loan. If you don't keep up with the payments, it could affect your credit score. On the other hand, it could boost your credit if the borrower makes prompt payments.

Can I Pull Out from a Guarantor Loan Agreement?

You can forfeit your guarantor status once the borrower finishes paying the loan. If the borrower defaults, you can only leave a guarantor loan agreement after fulfilling the terms of that agreement.

What documents does a guarantor submit?

Guarantors must submit their personal information like full name, email, phone number, and date of birth. They will also need to submit pay stubs or tax assessment forms with information about their employment and income. Other information they'll need include Social Insurance Number and banking details.

Can I Get a Guarantor Loan with Bad Credit?

You can be eligible for a guarantor loan if you have poor credit. However, the lender will check to make sure your guarantor good credit. So try and select a guarantor with good credit so they can balance out your poor credit to get approved for the loan.

What if I Can't Find a Guarantor?

If you can't find a loan guarantor, there are other options for you. There are loans you can get approve for with bad credit. Or you could find alternative ways of borrowing such as from friends or family members. You can also seek the services of a credit counselor to tell you how to get a loan.

How Long Does it Take to Get a Guarantor Loan?

The loan processing shouldn't take too long as long as you and your guarantor complete your application correctly. In certain cases, a guarantor loan is deposited within 24 hours if you complete the due process.

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