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One of the newest forms of lending that has appeared in the UK are guarantor loans. Essentially they give anyone access to credit no matter how bad their situation. This is because they add a 3rd person into the loan agreement, they must have fair credit and be prepared to repay the loan if the borrower cannot. In the last year several guarantor loan lenders have appeared to sit alongside the originators FLM Loans.  I will be looking at each of the lenders and giving you more details about guarantor loans and their related products such as a payday version called payday guarantor loans.