Guarantor Loans | Personal Guarantor Loan, Australia, Online | ClearLoans

Guarantor Loans

Fast, Flexible & Straight Forward

Borrow up to $15,000 within 24 hours

Borrow with a guarantor, no credit scores

36 Months

$8,000 over 36 Months, repaying $398.93 per month, total repayable $14,361.48. Establishment fee $0.

Interest Rate p.a. 43% (Comparison Rate 43%*)

Representative Example: $10,000 over 36 months (secured by guarantee) repaying $498.66 per month, total repayable $17,951.76.

Guarantor loans up to $15,000
  • Bad Credit OK
  • Fast, flexible & straight forward
  • Lender not a broker

"We don't judge you on credit score"

"Support when you need it"

"No hidden fees or charges, ever"


"Best service ever, amazing from start to finish. Thanks to ClearLoans & my guarantor for trust in me."


May 2019

"Very helpful in getting the loan through these guys, credit rating not a factor as long as u have a good gurantor. They have now helped me get back on track."


May 2019

"Fast process and quick approval! Great service and friendly staff! Overall great experience. Thankyou."


Mar 2019

An old fashioned idea

Back in the good old days banks worked on relationships and trust. If you wanted a loan your local bank would often simply ask for someone who trusted you to guarantee it. Then things changed, computer credit scores took over and millions of people were left out in the cold because their score didn't fit. We knew what it was like to be rejected so we built the old fashioned guarantor loan company we wanted to borrow from.

Decisions made by real people

We don't just let computers decide if you can borrow. It doesn't matter if you have bad credit or are self employed - the most important thing for us is that you have a friend or family member who trusts you enough to guarantee to make repayments if you don't, and that you can afford to repay the loan. Before we pay out any guarantor loans, we have a good old fashioned chat over the phone with both you and your guarantor. We base our decisions on simple common sense.

No fees ever

When times get tough the last thing you need is someone making money from your problems. We NEVER charge for late payments, letters, early settlement or anything else.

What about when things go wrong?

We collect late payments in the same way as any lender would. If a loan falls behind we will text you a reminder, if we're not able to collect a payment we will phone and email you to see what's gone wrong. Our priority is to stop a late payment snowballing into a bigger problem. Obviously, because our loans are supported by a guarantor, if a borrower doesn't repay then the guarantor has to. In a few very rare cases, where we can't come to an arrangement for repayment with either borrower or guarantor, as a last resort we may either pass a debt onto a professional debt collector or ask a court to decide the best way to deal with it. We will NEVER force you to sell your home or any other home you own, as all our loans are unsecured guarantor loans.

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