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What happens if I cannot afford to repay?

What happens if I cannot afford to repay?

Should you start to have any financial concerns, or think that meeting your TFS Loan repayments may cause you to miss other priority debts (your rent or bills, for example), please contact our Customer Support Team as soon as possible, the details of which are on this website. We will always treat you fairly if you are experiencing financial difficulties and will talk to you about what we are able to do to help; our telephone number is 01268 740 755.

For some further information and guidance about how you can manage arrears that you may have then you can contact free sources of debt advice, for example:

Citizens Advice To find your local office, look online or in your phone book
National debtline 0808 808 4000
Stepchange 0800 138 1111


While we cannot offer you specific financial advice, we will always try and help you and may be able to arrange an affordable repayment plan. In the event that you do not make a payment when it falls due, we will always try our best to contact you and work things out. It is important that you speak to us at an early stage of any repayment difficulties to agree a way forward.

If we are unable to get in touch with you then we will contact your Guarantor to discuss your account, where relevant. We may ask your Guarantor to step in and make any missed repayments if we are unable to contact you and your account remains in arrears.

Apply for a TFS Guarantor Loan using the button below:
Apply Online
Call 0203 476 4170

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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.

Late repayments can cause you serious money problems. For help go to

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