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TFS Guarantor Loans - TFS Logo

Guarantor Loans

Rates from 29.9% to 69.9%

See how much you can borrow

48 monthly repayments of
APR 48.9%
Total repayable £9,151.20

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Consumer Credit Awards 2017 Finalise
  • Bad Credit, CCJs, Defaults, Debt Consolidation? Everyone's considered, providing you can afford the payments
  • Quick approval You could receive your guarantor loan within 24 hours
  • Easy to repay early Should your circumstances change
  • No setup fees There are no costs or fees to set up a loan
48.9% APR Representative

Representative Example:
36 Monthly Repayments, borrowing £4,000
Total Amount Payable: £6,969.96
48.9% APR Representative
Rate of Interest 24.75% Fixed Flat Rate
Monthly Repayment: £193.61

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Fast Simple Flexible
How to get your guarantor loan
Complete the form Complete the form

Start your application now with our simple 5 minute online form.

Find a guarantor Find a guarantor

We’ll talk them through our simple application process.

Money sent Money sent

On approval, we’ll transfer the funds to your guarantor’s bank account.

Apply now

Giving you the helping hand

Watch our video to find out more

Our Guarantor Loans

TFS Guarantor Loans are tailored to fit your individual financial circumstances.

With our flexible approach you can borrow the amount you need over a term that best suits you. This can be anywhere from £1,000 to £15,000 and from a minimum of 2 years to a maximum of 5 years, it’s up to you. With a TFS Guarantor Loan you will have full control of your finances.

(Minimum Fixed APR 29.9% – Maximum Fixed APR 69.9%)

Welcome to trust-based lending

Wouldn’t it be good if you could borrow money based on the relationships that you have instead of your credit history. With a TFS Guarantor loan you can do just that. A guarantor loan is an alternative way of lending that can provide you with an affordable loan for any purpose, from buying a car, to making home improvements, to debt consolidation. The loan is based on trust instead of your credit score.

If you have a poor credit history or no credit history and you are looking for a loan of up to £15,000, then trust based lending could be for you.

How does a Guarantor Loan work?

Guarantor loans are different because they are based on you having a friend or a family member who trusts you to make loan repayments. The guarantor agrees that they will pay the monthly instalments should you miss any payments for any reason.

TFS Guarantor Loans are designed to fit your individual financial circumstances.

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Quick Approval

Once you have been accepted our completion team will aim to transfer the funds within 24 hours.

No setup fees

We are a direct lender and not a broker. This means that there are no setup or upfront fees.

Everyone Considered

Don’t worry if you have a bad credit score, no credit score, CCJ’s, defaults or missed payments, or if you have been turned down by other lenders. As long as you can afford the monthly repayments, you can apply for a guarantor loan. Representative APR 48.9%, subject to status.

Easy to repay

Should your circumstances change at any point during the term, you are able to settle your loan early. Please ask for details.

Who can be your guarantor?

A guarantor can be anyone who trusts you to repay the loan. This person can be a friend, parent, family member, work colleague, neighbour or even your landlord.

They need to be:

  • A UK Homeowner
  • Aged from 18 – 78 (at end of term)
  • Have a regular income

What does my guarantor need to do?

It’s simple; your chosen guarantor would just have to:

  • Speak to us and go through the process, including an affordability assessment.
  • Sign the documents which are sent to them, electronically or by post.

Once we receive their application, we will call them to discuss the terms and conditions of the loan. To prevent fraud and to safeguard you and your guarantor, the loan will be paid into your guarantor’s bank account.

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Why TFS?

At TFS loans we believe in responsible and fair lending. We don’t charge set up fees, we don’t have hidden fees and we make it really easy to repay your loan early.

We understand how it feels to have been turned down by banks and finance companies and we appreciate that whatever has happened in your past doesn’t mean that your future will be the same. With our vast experience of lending to thousands of customers, we believe in second chances. Provided you can afford the monthly payments and have a guarantor you can apply for a guarantor loan with us.

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