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A personal loan with a second person who promises to repay if you do not. The lender reads two files, and the second one can change the decision, the amount or the rate. The guarantor is a borrower in waiting: if the payments stop, the debt is theirs in full, on their credit file.
Usually not. Fourteen of the nineteen lenders on this page consider a poor score on one file, and all read deposits before the score. A guarantor helps most where your income is below a lender's floor or your file is empty rather than damaged. Apply alone first; ask someone to sign only if the answer is no or the rate is at the cap.
On $5,000 over 24 months, moving from 29.99% to 19.99% APR saves about $600 in interest. The saving grows with the amount and the term. Against that, the guarantor carries your balance on their own file for the life of the loan, and a missed payment reports on both.
A co-signer is a joint borrower from the first payment, both names on the loan and both incomes assessed; most lenders on this page mean this. A guarantor signs a separate guarantee and is called on only after default. The liability exists either way; the difference is when it starts.
No, and it can hurt. A lender reads the second file as it reads the first, and a damaged second file pulls the application down rather than up. A guarantor helps when their income and history are stronger than yours, not merely when they are willing.
