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    Guarantor loans is 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. 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.

    A cheaper way to borrow

    Our flexible guarantor loans are regularly featured by price comparison sites as the cheapest option for anyone borrowing £20,000-£200,000 with a low credit score.

    Interest done right

    Everyone wants to be in control of their loan. We give you real-time statements and 24/7 access to your account online. Interest is calculated daily so you only pay for the time you have the loan. If you pay even £1 off early, you stop paying interest on that £1 immediately.

    Paying off your loan

    We've thought of as many ways as possible for you to make repayments. Regular payments are made by Direct Debit, but you can also pay by card, online, over the phone 24/7 or in cash at any one of 22,000 PayPoint locations.

    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 high street lender would. If a loan falls into arrears we will let the borrower and guarantor know and 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 and to resolve it with the borrower in the first instance. Obviously, because our loans are supported by a guarantor, if we are unable to come to a suitable resolution with the borrower then the guarantor has to pay.

    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 will either pass a debt onto a professional debt collector or ask a court to decide the best way to deal with it. Whatever happens we will NEVER put your home or other property at risk. We've made 10 promises on how we'll deal with arrears.

    Rebuilding your credit

    We want to help make your financial future better; so we report back to all three credit reference agencies, each month, showing your repayments. As payments are made on time this will help to build or rebuild your credit profile. No information is reported back to credit reference agencies for guarantors, even if payments are missed, unless the account goes to court.

    Do you have a question Contact Us

    Our Address:
    16 Hanover Square
    London, United Kingdom W1S 1HT
    Hours of Operation:
    Mon. to Fri. 9am to 5pm
    Weekends 9am to 12am

    @ Tonich Securities

    As Cash in Transit SIA Approved Contractor, Tonich Security Services Limited has the experience of nearly 20 years in the industry and the expertise to effectively handle all your cash and valuable transit needs.

    Our Coverage

    Our services include armored car transportation, money processing, long-distance transport of valuables, vaulting and other value-added solutions. We employ about 2,000 people who serve customers in more than 5 countries.