COVID-19 Update: Dear customer, during this time of uncertainty, TFS Loans will not be taking new loan applications and have temporarily suspended all new lending.
If you currently have a loan with us and have been affected financially by the COVID-19 pandemic, please click here for ways in which we may be able to work with you during these difficult times.
tailored to your needs - 29.9% - 69.9% APR
How much would you like to borrow?
You will need to be a homeowner to apply for this amount
Over how many months?
* values shown are based on you having a homeowner guarantor instead
Bad Credit, CCJs & Defaults 39.9% APR Representative
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 69.9%)
Our customers rate TFS Loans92%
How to get your guarantor loan
Complete the form
Start your application now with our simple 60 second online form.
Find a Guarantor
We’ll talk them through our simple application process.
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.
15th February 2019
Fast process and the staff were wonderful. Great professional people, definitely recommend TFS. Thank you!
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!
16th June 2017
Great Service, kept me well informed every step of the way. Extremely efficient.
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.
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.
10th October 2016
I would definitely recommend TFS loans and would use them myself again. Everything thoroughly explained in detail!
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
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
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.
13th November 2018
Very thorough and informative.
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.
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.
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.
Your credit score is everything when it comes to borrowing. It dictates what types of loans you can get, what rates you’ll get on credit cards and mortgages as well as other forms of credit too. So, if your credit ...
Debt is something that most of us will deal with at some point... Sometimes through our own poor decisions and sometimes through misfortune there are a number of ways we can land in financial trouble. Of course, not all debt ...
Do you have a great idea for a business, but it feels like a minefield figuring out where to start? If so, read on… we’ve put together a simple starter guide for the next generation of entrepreneurs... Create a Business ...
Loans are subject to status and affordability. Consolidating debts may increase the term and the total amount payable.
Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.