2. Article 196 of the Contract Law stipulates: "A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest." It can be seen that the law does not stipulate that the loan contract must be signed by the guarantor. Therefore, there is a legal basis for the guarantor's absence of signature, and the guarantor's absence of signature does not affect the legal effect of the loan contract.
3. The IOU is the legal document of the loan relationship. As long as there are lenders and borrowers, the subject of the legal relationship of lending meets the statutory conditions. There is no need to have a guarantor in the legal relationship of lending. Therefore, as long as there is the borrower's signature and fingerprint, the loan is valid and legal.
4. There is no guarantor's signature, indicating that there is no guarantor for the loan. The absence of a guarantor does not affect the legal effect of the loan relationship.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.