A Guarantor is someone who trusts you to make your loan payments, and is also happy to make any payment you do not.

Applicants have used a friend or family member, as they tend to know you best, but you could also use your neighbour, work colleague or employer.

Remember, your guarantor needs to be 25-70 years old, have a Gibraltar address (with a red ID card), have a strong history of always paying their bills on time and be able to afford the monthly payments if you don't pay.