We started with a simple belief: a credit score shouldn't define your future.
Amigo Loans was born from a straightforward idea — people who have struggled financially in the past still deserve access to fair credit. Founded in 2005 under the name FLM, we set out to build a lending model that looked at the whole person, not just a three-digit score.
By 2012 we rebranded as Amigo Loans, and over the following years grew to become the UK's largest guarantor lender, helping hundreds of thousands of borrowers across England, Scotland, Wales and Northern Ireland.
From a kitchen-table startup to the UK's largest guarantor lender — here's how we got here.
Started with a mission to help people access credit when traditional lenders turned them away.
A new name to reflect our core belief — that with a friend or family member's support, anyone can access fair lending.
Reached a milestone of serving hundreds of thousands of borrowers across the UK.
Became a publicly listed company, cementing our position as a significant force in UK consumer finance.
We remain committed to responsible, transparent lending — helping real people at real moments in their lives.
Four values guide everything we do at Amigo Loans.
We assess your full circumstances, not just a credit file. Everyone deserves to be heard.
No hidden fees, no small-print surprises. Our rates and terms are clear from the start.
We carry out thorough affordability checks to make sure every loan we approve is the right decision.
Our UK-based team is on hand to help you throughout the life of your loan.
Check your eligibility in minutes — no impact on your credit score.
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