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What is a personal guarantee and how does it work?

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You should take legal advice if you have any concerns or questions about the terms of your personal guarantee. The guarantee is a promise to pay all of the borrower’s liabilities to Esme Loans Limited up to the limit specified in the guarantee agreement. The limit will usually match the value of the loan provided, meaning that if the borrower misses a payment, the guarantor may be required to repay the borrower’s loan and interest in full.


Is there a cancellation period once the loan has been agreed?

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Once you have accepted your offer, you cannot cancel your loan. However you can repay the loan at anytime with no early repayment fees.


Where can I find my loan documents?

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You can view, download, and print your loan documents on your Esme online account. Login here.