Rural credit cooperatives need a guarantor for three-year interest-free loans. According to the Interim Measures for the Administration of Three-year Interest-free Loans for Rural Credit Cooperatives, when applying for three-year interest-free loans for rural credit cooperatives, the borrower needs to provide the guarantor as the co-undertaker of repayment obligations, and requires the guarantor to provide sufficient guarantee property or guarantee responsibility. This is to ensure the safety of the loan and the credit of the borrower. Once the borrower fails to repay the loan on time, the guarantor will bear the corresponding repayment responsibility.