Joint lenders are two or more people apply for bank loans together. They also share the burden of repayment liability together. The bank can simultaneously request the joint lenders to repay the debt.
A guarantor only guarantees the lender's repayment obligation. If lender does not repay the loan, the bank should first request from lender and bring this to a court proceeding. After that, a repayment request can be made to a guarantor if there are arrears due.