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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

What would happen if I couldn’t pay my loan?

If you are struggling to meet your monthly payments please give us a call on 0203 476 7399 (Mon-Thurs 9am – 6pm, Fri 9am – 5pm). Or email us: We can work with you to resolve the situation.

If your account goes into arrears because you have missed payments or underpaid your monthly instalments and you can’t make up the shortfall, we would contact your Guarantor to pay the difference, to bring the account up to date.

In the event that neither party can pay and we have exhausted all other options, there is the possibility that we will resort to court action. Please be aware that we never want to get into this situation with our customers and we work really hard to ensure this doesn’t happen. This is a last resort.

If the case goes to court a County Court Judgement (CCJ) may be awarded and this could lead to an attachment of earnings against your pay or a charging order against the property you own.
If the CCJ is not adhered to, we can request a Charging Order on any property owned by yourself or your Guarantor. This means that if you or the Guarantor wishes to sell or re-mortgage that house, the amount owed to TFS Loans will be paid out of the proceeds.

For ways to pay your loan, or who to contact should you get into arrears, please visit our ‘How to make a Payment’ page.

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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