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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

What can I use the money for?

TFS customers can use their guarantor loan for any legal purpose. Whether that be to clear an outstanding debt, consolidate other loans or pay off credit cards, make any of those improvements to your home or purchase that new car you’ve had your eye on. As long as you can afford the repayments, your guarantor loan can be used for pretty much anything. For more information on what you can use a Guarantor loan for click here.

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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