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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

Do you accept people discharged from bankruptcy?

Yes, TFS Loans do accept applicant’s that have been discharged from bankruptcy. However, we may require evidence of when the bankruptcy was discharged. This is one of the major advantages of a Guarantor Loan from TFS Loans. We don’t judge you on your past. As long as you have a Guarantor with a good credit rating, who can afford the loan repayments if you cannot, we will still accept your loan application.

Want to borrow money? You can apply for a Guarantor loan up to the amount of £15,000 over 1 to 5 years (44.9% APR Representative). To apply for a TFS loan, visit our Application page.

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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