Loan amounts range from

$1,000  -  $3,000

APRs range from

9.95%  -  35.99%

Loan origination fee up to 5%. Fixed monthly repayments over 36 months**. No prepayment penalties.

Why choose a guarantor loan from Trustic?

If you are looking for a straightforward affordable personal loan from a trusted direct lender, you’ve come to the right place. At Trustic we believe that credit shouldn’t cost an arm and a leg, and that everyone should have access to affordable credit. However, the traditional ways to assess someone’s creditworthiness based on their credit profiles is not working for many people. Trustic allows borrowers to reduce the cost of their loans by sharing credit risk with other people through guarantor nomination, thus allowing to borrow affordably right now. If a friend or family member trusts you to make loan payments, we can trust you too.

How Trustic works


Tell us about yourself


Choose your loan offer, and repayment option your like best


Let us know who your guarantor is


Receive funds

What our customers are telling about us:

The lender that sees good in everything and everyone

As a guarantor, you are given a unique opportunity to empower your friend or family member to stand on their feet

How do I find a Guarantor?

Pretty much anyone can be a guarantor. A friend, a family member, a colleague, you name it. The guarantor should be someone who knows you well, and you should trust each other. They should also meet our minimum criteria:

  • Aged at least 18 years old
  • Be a US resident
  • Have a social security number
  • Have a regular income, and be able to afford your loan monthly repayment if you don’t pay
  • Have a good credit score
  • Have a US bank account where we can deposit your loan

It’s important to choose someone you trust and who knows you well. The loan proceeds will be disbursed to your guarantor’s bank account, and it will be their responsibility to give the funds to you. The guarantor should also feel comfortable to step in to make the payments if you don’t.

Do I need a guarantor to start the loan application?

No, you do not. While having a guarantor will speed up the decision on your loan application, it’s not required to have a guarantor when you apply. You can start your loan application, get a decision in principle and choose your loan offer. We will then send you a link that you can share with your prospective guarantor so that they can submit their guarantor application.