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COVID-19 Update: Dear customer, during this time of uncertainty, TFS Loans will not be taking new loan applications and have temporarily suspended all new lending.
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 Borrowers

Can I take a payment break?

No. We don’t allow TFS Loans customers to take payment breaks. That is why we ensure as part of our application process that the loan is affordable for both yourself and your Guarantor. If you are struggling to make payments on your TFS Loan, because your circumstances have changed please call us on 0203 476 4371 Mon-Thurs 9am -6pm or Friday 9am -5pm, or email

You can also get free independent advice from a number of places, including Money Advice Service, Citizens Advice and National Debtline.

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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