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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 pay the loan off early?

Yes. Any loan amount you take out can be paid off as early as you like, but will be subject to an early pay-off charge. Your guarantor loan can be settled at any point, during the loan term. Any loan pay-off will be subject to an early charge of up to 58-days interest.

If you would like more information, or to request a settlement figure please call 0203 476 7399 (Mon-Thurs 9am-6pm, Fri 9am-5pm) or email

For ways to pay please visit our ‘How to make payments’ section.

We’ve also written an article about paying back your loan early and what’s involved. Read it 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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