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the main responsibility of the guarantor is to make repayments on behalf of the borrower if they default on their loan this could involve monthly repayments all paying for the entire loan some however there are other responsibilities which start with being involved in the application process the main borrower will nominate the guarantor who is required to side the loan agreement confirming their involvement they must also allow the lender to carry out the relevant checks which is usually a credit check and affordability check and in most cases they will also have to speak to the lender to confirm their details if the loan is successful the lender will usually transfer the money directly into the guarantor debit account the guarantor will then have the choice to pass this on to the borrower which will finalize the transaction or they can change their mind and send the money back to the lender so if you are thinking of becoming someones guarantor we answer some of the most common questi