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Guarantor Loans

tailored to your needs - 29.9% - 49.9% APR
My Guarantor is...
How much would you like to borrow?
You will need to be a homeowner to apply for this amount
Over how many months?
Monthly Repayment
Total Repayable
Loan Period
Representative APR
Representative Example:

36 Monthly Repayments, borrowing £5,000
Total Amount Payable: £8,418.60
44.9% APR Representative
Rate of Interest 22.79% Fixed Flat Rate
Monthly Repayment: £233.85

Representative Example:

36 Monthly Repayments, borrowing £4,000
Total Amount Payable: £7,028.64
49.9% APR Representative
Rate of Interest 25.24% Fixed Flat Rate
Monthly Repayment: £195.24

Bad Credit, CCJs & Defaults
44.9% APR Representative
Quick approval
Easy to repay early
No setup fees

What is a Guarantor Loan?

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 49.9%)

Our customers rate TFS Loans 92%
748 Reviews
Fast Simple Flexible
How to get your guarantor loan
Complete the form
Complete the form

Start your application now with our simple 60 second 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.

Nothing but friendly helpful service from start to finish with my loan application. Everything has been sorted within 24 hours with exceptional customer service provided! I will definitely recommend TFS to my friends.

Callum Pettitt

15th February 2019

Fast process and the staff were wonderful. Great professional people, definitely recommend TFS. Thank you!

Angela Talbott

3rd July 2017

Excellent communication from well trained staff who explained everything from start to finish. I had the pleasure of dealing with Sally who was lovely. Well done!

Karen Walpole

16th June 2017

Great Service, kept me well informed every step of the way. Extremely efficient.

Joanne Yeaman

1st June 2017

A very efficient well mannered group. As a guarantor you answered all the questions I asked and time was of no problem - thank you for looking after my daughter.

Anthony Dinsdale

28th February 2017

All customer service personnel were really polite and extremely helpful. I would definitely recommend the company to others. I would definitely use the service again if needed in the future.

Debra Ramsay

10th October 2016

I would definitely recommend TFS loans and would use them myself again. Everything thoroughly explained in detail!

Simon Lewis

25th July 2017

I felt that the process from start to finish was smooth and quick. My application was dealt with, with ease and I look forward to being able to use this loan for a good cause

Charlene Foster

16th September 2017

Highly recommend TFS Loans very friendly and people person advisors. Very helpful very quick decisions I have had 2 loans with them now

Amanda Taylor

1st October 2018

Very helpful friendly staff. Good rates. Would recommend TFS Loans .

Anthony Denis Millington

8th October 2018

Very good service and explained everything that was going on. Highly recommend TFS for a loan.

Jamie Rhodes

13th November 2018

Very thorough and informative.

Christine Lowe

3rd December 2018

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.

Apply for a Guarantor Loan now

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.

For our Homeowner Guarantor Loans, they need to be:

For our Tenant Guarantor Loans, they need to be:

Who can be a Guarantor

What does my guarantor need to do?

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

Once we receive the 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.

Why TFS Loans?

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.

Apply for a guarantor loan with TFS now

Most asked Guarantor Loans questions

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