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Dear customer, during this time of uncertainty, TFS Loans will not be taking new loan applications and have temporarily suspended all new lending. Any applications made on our website will not be processed and your information will be deleted. We thank you for your understanding during this difficult time.

FAQs for Borrowers

Can I live at the same address as my Guarantor?

Yes, both the Borrower and the Guarantor can live at the same address. As long as you both have a UK address and are not linked financially (joint bank accounts or financially reliant on each other), we accept Guarantors who live at the same address.

Our main criteria for Guarantors is that they are, Employed or Retired, a UK homeowner with a good credit score and proveable income, aged between 18-75 at the start and end of the loan and most importantly, they must be able to afford the monthly loan repayments if the Borrower cannot.

For more information on finding a Guarantor, visit our ‘Finding a Guarantor’ page. If you have a Guarantor and they wish to know more about TFS Loans or Guarantor Loans, visit our Guarantor Hub.

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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