If you have been trying to get a loan and have been told "No" by a lot of people then guarantor loans may still be an option. They are different to normal loans in that they do not rely on your credit history to judge your ability to repay the loan. Instead they use a guarantor to support your application, kind of like they are vouching for you. The guarantor can be a family member like a brother, sister, mother, father or perhaps a close friend. If you do not repay the guarantor loan then your guarantor will have to pay instead. You should only take this type of loan out if you are sure you will be able to afford the repayments, or if you fall into trouble, you can make up the difference quickly so you don't ruin the relationship with your guarantor!
If you want a guarantor loan one of the best places to go is to Talk Loans - The Guarantor Loan Specialists. They will take your application and find you a lender, no fuss, no fees. They don't send your details all over the shop, and compared to applying direct there is more chance you will get approved. This is because even though guarantor lenders think they are the same, they all lend to different types of people. Things like the age and income of your guarantor, or your residential status, can have a big impact on whether or not you can get finance of this type with a specific lender.
You can borrow between £500 and £15,000, although at the moment if you want to borrow over £10,000 then you must be a homeowner. If you are a tenant, or living with friends or parents then you can only take out a maximum of £10k. The same applies if you guarantor is a tenant, you will only be able to borrow up to a maximum of £10k, even if you are a homeowner.
Obviously like with all loans the most important thing is that you can afford to make the monthly instalments. If you can't then you should not take out a loan. If you can afford them then different lenders will accept different income types, this is another place where Talk Loans can help you out.