Amigo Holdings PLC

Welcome to the Amigo Loans site for investors.

We are the UK's largest guarantor loan company.

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Amigo Loans

Amigo Loans is the leading company in the UK guarantor loans sector and offers access to credit to those who are unable to borrow from traditional lenders due to their credit histories.

About Us

Amigo Loans was founded in 2005 and has since grown to become the UK's largest provider of guarantor loans. In the process, Amigo Loans's guarantor loan product has allowed borrowers to rebuild their credit scores and improve their ability to access credit from mainstream financial service providers in the future.

Amigo Loans provides a single product - a guarantor loan at a single APR of 49.9%, with no fees for late payments. We believe this offers an attractive alternative to higher cost loans, such as payday loans and other forms of non-standard finance.

The guarantor loan concept introduces a second individual to the lending relationship, typically a friend or family member with a stronger credit profile than the borrower. This individual acts as guarantor, undertaking the responsibility to make loan payments if the borrower does not. The business is authorised and regulated in the UK by the Financial Conduct Authority (FCA).

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Why Amigo Loans?

Amigo Loans In The UK Consumer Credit Landscape

Amigo Loans is a mid-cost credit provider. Mid-cost credit is defined by the FCA (the Financial Conduct Authority, who are our regulator) as “credit above prime borrowing rates but below the high-cost short-term credit (HCSTC) cap level” of 100% APR*.

High cost credit is defined as a credit agreement whereby the APR is equal to or exceeds 100%, and where the credit is due to be substantially repaid within a maximum of 12 months**.

With a flat APR of 49.9%, with no additional fees or costs, Amigo Loans is well positioned within the mid-cost credit market.

Amigo Loans’ rate also compares well to many mainstream credit cards, which often hide behind “headline rates”, which are only applicable to a proportion of customers, and even then, this headline APR can reach a significantly higher figure when factoring in late payment fees and administrative costs.

Amigo Loans fills the gap between mainstream and high cost credit markets providing an alternative for those who are locked out of traditional sources of finance. We believe our rate is fair and reasonable and reflective of the service we offer.