How tutu works

A guarantor loan, in plain English.

A guarantor loan means you borrow with someone you trust backing you up. They don't hand over any money — they simply agree to step in if you can't make a payment. That's it. No drama, no complexity.

You apply

Tell us what you need and a bit about yourself. It's a soft check — it won't affect your credit score.

Someone backs you

A guarantor you trust agrees to step in if you can't pay. They don't hand over any money — they just back you up.

We check it's affordable

We assess both of you with equal rigour. We'd rather you didn't apply than apply unsustainably.

You're sorted

Money lands, usually the same day. Repay on time and you build your credit file for the future.

"We check you can genuinely afford this. And we tell you honestly if you can't."

Check your eligibility