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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 my partner be my guarantor?

Yes, in principle we accept partners as guarantors. Your guarantor could be a friend or family member, as long as they have good credit, are a UK homeowner between the ages of 18-75, and have an income which is provable if required. Find out more about who can be a guarantor.

But as part of the application process, we would look at your finances in detail to ensure that you can both individually afford the loan and that changes in circumstances for one of you would not put the other party at risk.

It is very important that the Guarantor can afford the monthly loan repayments if the Borrower gets into difficulty. This is why we cannot accept someone who is financially linked to the Borrower, as their Guarantor.

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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