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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

Does my Guarantor need to speak English?

Whilst it’s not a requirement, at TFS we are fully committed to total transparency. By this, we mean that your guarantor must fully understand all of our terms and conditions of the loan. They’ll be outlined in the loan agreement, which is in English. Which means, if they are unable to speak or read the language, TFS Loans would suggest contacting a solicitor, who will be able to run through the documentation in their native language.

Similarly, if your guarantor does not understand the terms of the loan agreement, for whatever reason – again, we would advise for your guarantor to contact a solicitor to make sure they understand and are completely happy to become a guarantor for your loan.

It is of the utmost importance that your guarantor and yourself fully understand the financial product and commitment you will be taking on. If you guarantor needs any information on their commitment, they can find out more on what does being a guarantor mean.

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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