Guide only — this matter needs a solicitor. Under Irish law this work must be carried out by a solicitor, so it is not sold on this site. The information below explains what is involved so you can brief a solicitor with confidence.
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A personal guarantee of a loan in Ireland is a promise by a third party to repay a borrower’s debt if the borrower does not. Where a lender wants a third party to stand behind a borrower, a written guarantee is required. In this service, a solicitor would draft the guarantee to match the loan terms, including the guaranteed amount, demand provisions and whether the guarantee is joint and several. Independent legal advice for a guarantor can be arranged separately.
What’s included
- A professionally drafted personal guarantee of a loan
- Matched to the loan terms, including the guaranteed amount, demand provisions and whether it is joint and several
- Independent legal advice for a guarantor can be arranged separately
- Self-complete template with guidance notes — you fill it in yourself
- Documents tailored to Irish law and your circumstances, delivered by email
- A written summary of the key points and anything you need to do afterwards
Who this is for
- Lenders making a private loan who want a guarantee from a third party
- Businesses lending to another company with a director’s guarantee
- Family members lending money and asking for a guarantee
- Parties who want the guarantee to match the loan agreement exactly
How it works
- Find a solicitor through the Law Society of Ireland’s Find a Solicitor directory and send them the basic details and any existing documents or correspondence.
- Complete a short questionnaire about your circumstances.
- A solicitor would then draft the guarantee to match the loan terms.
- The completed work is delivered to you by email, with plain-English notes on what to do next.
Frequently asked questions
How much does a personal guarantee cost in Ireland?
This page is a free guide — nothing on it is for sale. Solicitors set their own fees for this work and must give you a written costs estimate (a section 150 letter) before starting. Get quotes through the Law Society of Ireland’s Find a Solicitor directory.
Does a guarantor need independent legal advice?
It is strongly recommended. A guarantee can expose the guarantor to significant personal liability, and independent advice helps make sure they understand it. This can be arranged separately.
What does joint and several mean in a guarantee?
Where there are several guarantors, joint and several liability means the lender can pursue any one of them for the full amount, not just their share.
For more on business contracts and running a company in Ireland, see our Business Legal Advice hub.
If you would like to be told when solicitor services are available again on this site, you can join our no-fee waiting list. To instruct a solicitor now, use the Law Society of Ireland’s Find a Solicitor directory.
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