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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

Does my Guarantor have to be a homeowner?

Yes. We require your Guarantor to be a homeowner.

Your Guarantor can be anyone you know who is aged between 18 – 75 at the time that you take out and complete your Guarantor loan. They must be based in the UK with a home in the UK. They will need to have a good credit score and they must be in a position where they can afford the monthly repayments on your loan in the event that you cannot.

For more information on Guarantors, you can visit our Guarantor Hub. We also have a page dedicated to hints and tips to help you find a suitable Guarantor – Finding a 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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