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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

If I change my mind, how long do I have to cancel?

You can cancel your loan at any time during the application process. Once the application process has been completed for the guarantor loan, your guarantor will receive the funds into their bank account. After this occurs, you have 14 days to notify TFS Loans and state that you wish to withdraw the loan agreement. After cancellation, the funds from the guarantor loan, will need to be returned along with any daily interest shown on the credit agreement within a 30-day period. The sooner the funds are returned, the less daily interest charges you will face on top of the original guarantor loan.

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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