Loans Like Amigo

Representative Example:

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.


Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

If you are looking for loans like Amigo, we work with the whole of the guarantor loans market – so Payday Bad Credit can help you get the loan you need.

Whilst Amigo are probably the most well-known guarantor lender in the UK, they may have a strict criteria and there are plenty of our guarantor providers and alternative lenders who may be able to accept your loan application for £5,000 or £10,000.

To check your eligibility, simply complete our online application form in less than 5 minutes. You will get an instant decision on the screen and if successful, you can receive funds within 24 to 48 hours.

Why Would You Apply for Loans Like Amigo?

Perhaps you have already applied with Amigo and have been declined, or you have used them before and would like to try someone new. There are over 12 guarantor lenders in the UK, each with their own criteria, terms and eligibility – and if you have not been successful with Amigo, you may be successful and get the funds you need with one of our other partners.

We operate across the whole of the bad credit loans market – so we can help you find a lender like Amigo or another solution, whether it is with private bank, finance institution or new lender.

Loans like Amigo are very effective for people with bad credit scores or no credit histories. With the help of a guarantor or someone you know, you can borrow up to £10,000, provided that the guarantor is willing to co-sign your loan agreement and agree to cover your repayments if you cannot. 

Key Features 

  • Borrow up to £10,000
  • Repay over 6,9,12,18 or 24 Months
  • Need a guarantor with a good credit score
  • No upfront fees
  • Working with direct lenders
  • No impact to your credit score 

We Work with Lenders like Amigo 

If you are looking for loans similar to Amigo, Payday Bad Credit proudly works with the whole of the market who will take a view on poor credit histories.

Whilst most lenders will be cautious with customers with a history of defaults, arrears and CCJs, our panel is willing to take a view provided that you have a stable income, employment and in cases, a good guarantor.

There are absolutely no fees for using our service and applying will not have an impact to your credit score. You will receive an instant decision on screen and subject to further checks from the lender, you can receive funds in 24 to 48 hours.

What is the Criteria?

  • Borrower must be over 18
  • Borrower must have stable income and employment
  • Borrower must be able to afford repayments
  • Guarantor must be over 25
  • Guarantor must have good credit score, stable income and employment
  • Guarantor should be homeowner (although tenants accepted too)
  • Both parties should have valid UK bank account
  • Both parties should have UK mobile and email address


How Can Payday Bad Credit Help You Get a Loan Similar to Amigo?

Payday Bad Credit offers personalised rates from a number of guarantor loan providers, helping you get the finance you need. We offer a completely online application, with zero upfront fees and an instant decision upon completion. You will receive a pre-approved quote and subject to some quick checks from the lender and a phone call, you can receive funds within 24 to 48 hours.

We understand that finding loans can be hard if you have bad credit. This is why we work with the whole of the market and are able to help you find the lender most likely to accept you based on your loan requirements. You can simply continue with the lender we have provided, with no fees and no obligation.

How to Apply

Start by clicking on ‘apply now’ below and you will be taken to our online application which can be completed by mobile, desktop or tablet – 24 hours a day, 7 days a week.

We require some basic information including your name, age, address, loan requirements, income and bank details – so we know where to send the funds.

We work with loan companies like Amigo and by applying with Payday Bad Credit, we can potentially increase your chances of getting the loan you need. There is no impact to your credit score and we will not pass on your details to any other companies without your permission. Click on the button below to get started.

Representative example:

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.

Payday Bad Credit is a trading style of Western Circle Limited – Company Registration Number: 7581337. We are fully authorised and regulated by The Financial Conduct Authority.
FCA full permission license: 714479
ICO Registration Number: Z3305234

Payday Bad Credit terms and conditions apply.

Applicants must be 18 or over. All loans are subject to affordability, applicant verification and traditional credit checks via various national databases by Payday Bad Credit responsible lending policy. Loan limit maximum of £10,000.

In most cases, loan decisions may take up to 30 minutes during office working hours.
If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.