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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.

FAQs for Applicants

Can I clear my pay day loans and other debts?

Yes. Many customers have other outstanding loan repayments they are struggling to make, especially from pay-day loan companies, due to their high APRs. With a TFS Loan, you can pay off any outstanding debts you may have. Guarantor loans can be borrowed over a longer term and mean lower monthly repayments, making life easier. Consolidating debts may increase the term and total payable amount.

Read our blog about what you can use a Guarantor loan for, for more information.

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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