Definition of Guaranty: A contract by which one person (the guarantor) agrees to pay another´s debt or to perform another´s obligation only if that other. Guaranty Trust Bank Plc is a leading African Bank that offers Online/Internet Banking, Retail Banking, Corporate Banking, Investment Banking and Asset. A guaranty contract provides the obligee with an alternative to a surety agreement to guarantee or ensure the successful performance of a promise. Related.

Guaranty -

In the modern world, guarantees are everywhere. We hear about them in commercials and we read them on product packaging. Sometimes it feels like every aspect of our lives is covered by a guarantee from someone or other.

But what about a guaranty? Is this word another way to spell the same term, or does it have its own, separate meaning? Continue reading to learn more.

What is the Difference Between Guarantee and Guaranty?

In this post, I will compare guarantee vs. guaranty. I will include example sentences for each word, so you can see it in its proper context.

Plus, I will outline a memory tool that will help you remember whether you need guarantee or guaranty for your own writing.

When to Use Guarantee – Guarantee Definition

guarantee versus guaranty What does guarantee mean? Guarantee can be a noun or a verb.

As a noun, guarantee means an agreement or promise, usually in writing.

As a verb, guarantee refers to the act of making such a promise.

Here are a few examples,

  • With our low-price guarantee, you can be sure that you are always getting the best deal when you shop at Bingo Bob’s Wholesale Industrial Kitchen Supplies Warehouse. (Noun)
  • The manufacturer’s guarantee specifically omits accidental damage as a valid warranty claim. (Noun)
  • Adrienne will not be able to finish the project by Friday, I guarantee it. (Verb)
  • Legislators can maintain policies by reauthorizing them to guarantee funding streams, adjusting them for inflation, and periodically reassessing and reforming them. –The Washington Post(Verb)

When to Use Guaranty – Guaranty Definition

Definition of guaranty definition of guarantee definitionWhat does guaranty mean? Guaranty is related to guarantee, but it is a narrower, more specific term.

Guaranty is only used as a noun, where it means a promise to pay money if another party does not. It is mostly used in banking and finance, but is rarely used outside of legal context.

For example,

  • The bank requires a binding guaranty from a separate cosigner.
  • A person who signs a guaranty is a guarantor.
  • I regret signing the guaranty for your car; I should have known you would lose your job.

Trick to Remember the Difference

Define guaranty and define guaranteeHere is a helpful trick to remember guaranty vs. guarantee.

Only guarantee is used as a verb. If a person or organization is promising something, this is the correct word choice.

In most contexts, a written agreement is also referred to as a guarantee. Many organizations make guarantees, including manufacturers, sellers, servicers, lenders, and other service providers. Guaranty, meanwhile, refers only to a specific type of written agreement, wherein one party promises to pay money if another party fails to pay the money it agreed to pay.

In most cases of everyday writing, guarantee is the word you will be using. Since guarantee and everywhere are both spelled with the letter E, you should find it easy to remember that guarantees are everywhere, while a guaranty is more limited in its use.


Is it guarantee or guaranty? Guarantee and guaranty refer to written agreements.

  • Guarantee can refer to the agreement itself as a noun, and the act of making the agreement as a verb.
  • Guaranty is a specific type of guarantee that is only used as a noun.

Guarantees are everywhere, so the shared E between those words is the clue you need to remember that guarantee is applicable to most situations, while guaranty is very specific in scope.

If you ever need more help when choosing guaranty or guarantee, you can check back for a memory jog.



You Don’t Have to Pay for Help With Your Federal Student Loans

The Michigan Guaranty Agency (MGA) administers the Federal Family Education Loan Program (FFELP) which includes the Subsidized Federal Stafford Loan Program, the Unsubsidized Federal Stafford Loan Program, the Federal PLUS Loan Program, and the Federal Consolidation Loan Program. It does so by guaranteeing the purchase of defaulted loans from FFELP lenders across Michigan. During its more than 45-year history with FFELP, MGA has guaranteed over $14 billion in loans. Beginning July 1, 2010, no new loans are guaranteed under FFELP, however, MGA has over $1.7 billion in outstanding loans that must be monitored, claims processed, or default payments collected.

MGA also provides services to postsecondary institutions that include outreach activities aimed at postsecondary students and other training opportunities. Services to borrowers are done through borrower information programs, financial literacy training, and customer assistance with all aspects of repayment.


Meaning of guaranty in English

The second weakness of my argument concerns the durability of the guaranty clause line of argument.

From the Cambridge English Corpus

When dealing with large delays the value of has to be set to zero, to guaranty the passivity of the system and to keep stable operation.

From the Cambridge English Corpus

The properties of optical phase conjugations guaranty a high degree of spatial and temporal overlap of the laser pulses, so that the shown method could be used with high efficiency.

From the Cambridge English Corpus

The council bowed to the committee and issued a guaranty certificate transferring the unimpeded right to negotiate thereby rendering itself incapable of action.


This example is from Wikipedia and may be reused under a CC BY-SA license.

A guaranty fund system also exists for the life, health and annuity insurance industry, but it operates independently from the property and casualty system.


This example is from Wikipedia and may be reused under a CC BY-SA license.

This lending niche caters to those with lower down payments and income, as opposed to conventional loans, which have no government provided mortgage guaranty insurance.


This example is from Wikipedia and may be reused under a CC BY-SA license.

Both companies engaged in financial guaranty insurance and reinsurance.


This example is from Wikipedia and may be reused under a CC BY-SA license.

A guaranty fund system also exists for the life, health and annuity insurance industry; but it operates independently from the property and casualty system.


This example is from Wikipedia and may be reused under a CC BY-SA license.

The legal act or instrument of cosigning is also called a "guaranty".


This example is from Wikipedia and may be reused under a CC BY-SA license.

Its purpose is to deter -- to compel respect for the constitutional guaranty in the only effectively available way -- by removing the incentive to disregard it.


This example is from Wikipedia and may be reused under a CC BY-SA license.

Guaranty fund limits vary from state to state but generally are capped at $300,000 for property-insurance policies.


This example is from Wikipedia and may be reused under a CC BY-SA license.

The department collects and distributes legal information to member state guaranty associations and serves as an information resource for case laws.


This example is from Wikipedia and may be reused under a CC BY-SA license.

Note that the algorithm does not guaranty that the target is actually reached.


This example is from Wikipedia and may be reused under a CC BY-SA license.

In addition, even though low potency usually accelerates onset of action, it does not guaranty a fast onset.


This example is from Wikipedia and may be reused under a CC BY-SA license.

See all examples of guaranty

These examples are from corpora and from sources on the web. Any opinions in the examples do not represent the opinion of the Cambridge Dictionary editors or of Cambridge University Press or its licensors.





From Old Frenchguarantie, from Old Frenchguarantie(“protection, defense”), from Old Frenchgarantir, guarantir(“to warrant, vouch for something”), from Old Frenchgarant, guarant, warant(“a warrant; warranter, supporter, defender, protector”), from Frankish*warand, *warjand(“a warrant”), from Frankish*warjan(“to fend for, designate something as true, vouch for”), from Proto-Germanic*warjaną(“to defend, protect”), from Proto-Indo-European*wer-(“to close, cover, protect, save, defend”). Cognate with Middle Low Germanwarent, warend(“a warrant”), Germangewähren(“to grant”). More at warrant. Doublet of guarantee and warranty.



guaranty (pluralguaranties)

  1. (law) An undertaking to answer for the payment of some debt, or the performance of some contract or duty, of another, in case of the failure of such other to pay or perform; a warranty; a security.
  2. Something serving as a security for such an undertaking.
    • 1864, Various, The Atlantic Monthly, Volume 14, No. 85, November, 1864[1]:

      No doubt the city of New York and the State of California contain capital enough for the completion of the entire road,--would subscribe to it, too, upon sufficient guaranties.

  3. An assurance or guarantee.
    • 1904, Olive Tilford Dargan, Semiramis and Other Plays[2]:

      America has sent us guaranties She will demand that Maximilian Be held but as a prisoner of war.

    • 1945, René Wellek, “The Philosophical Basis of Masaryk’s Political Ideals” in Ethics LV, № 4 (July 1945), page 299, right column:
      The concept of God and immortality is for him a guaranty of this eternal difference between right and wrong.

Related terms[edit]


undertaking to answer for payment, performance of contract, etc.

something serving as a security for such an undertaking



guaranty (third-person singular simple presentguaranties, present participleguarantying, simple past and past participleguarantied)

  1. Alternative form of guarantee
    • 1742, Samuel Johnson, The Works of Samuel Johnson, Vol. 6[3]:

      His imperial majesty likewise guaranties to the king of Prussia the perpetual possession of upper Silesia; and the king guaranties to the emperour the perpetual possession of upper Austria, as soon as he shall have occupied it by conquest."

    • 2014, Michael Curley, Finance Policy for Renewable Energy and a Sustainable Environment, →ISBN:

      They are classified as “loans” because they involve traditional market-rate loans, but with one important additional feature: Their payments are guarantied by a financially powerful third party.

    • 2017, J.A. De La Puente, L. Boullart, Real-Time Programming 1992, →ISBN, page 185:

      Real-time systems require a predictable behaviour in terms of guarantied deadlines.



This shows grade level based on the word's complexity.

[ gar-uhn-tee ]

/ ˈgær ənˌti /


a warrant, pledge, or formal assurance given as security that another's debt or obligation will be fulfilled.

something that is taken or presented as security.

the act of giving security.

a person who acts as a guarantor.

verb (used with object),guar·an·tied,guar·an·ty·ing.




We could talk until we're blue in the face about this quiz on words for the color "blue," but we think you should take the quiz and find out if you're a whiz at these colorful terms.

Question 1 of 8

Which of the following words describes “sky blue”?

Origin of guaranty

From the Anglo-French word guarantie, dating back to 1585–95. See warrant, -y3




guarantee, guaranty , warrantee, warranty

Words nearby guaranty

guaranteed annual income, guaranteed annual wage, guaranteed bond, guaranteed stock, guarantor, guaranty, Guarapuava, guard, Guardafui, guardant, guard band Unabridged Based on the Random House Unabridged Dictionary, © Random House, Inc. 2021

Words related to guaranty

attestation, certification, guarantee, pledge, promise, bond, certificate, charter, contract, security, testament, warrant, warranty

How to use guaranty in a sentence

British Dictionary definitions for guaranty


a pledge of responsibility for fulfilling another person's obligations in case of that person's default

a thing given or taken as security for a guaranty

the act of providing security

a person who acts as a guarantor

verb-ties, -tyingor-tied

a variant of guarantee

Word Origin for guaranty

C16: from Old French garantie, variant of warantie, of Germanic origin; see warranty

Collins English Dictionary - Complete & Unabridged 2012 Digital Edition © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012


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Security Transactions Part 3: GUARANTY and SURETYSHIP

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