You can use a personal loan calculator to estimate monthly repayments and the total cost of borrowing, but the result may not match a guarantor loan offer. Guarantor loans can have different interest rates, fees and terms, and the rate you are offered depends on your circumstances and your guarantor’s application. Check the representative APR, total amount repayable and what happens if payments are missed, as the guarantor may become responsible for the debt. Compare offers from FCA-authorised providers and read the agreement carefully before applying.