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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

Who can be my Guarantor?

A Guarantor can be anyone that you know. Most of our borrowers ask family members or friends, but we’ve known people to ask their employers, landlords and colleagues. In order to be a Guarantor on a TFS Loan, they will need to be aged between 18 and 75 at the time that you take out the loan and when the loan completes. They will need to be based in the UK and own a home in the UK. They also need to have a good credit score. The most important thing is that they are able to make the loan repayments if you cannot and that they understand this obligation.

As part of our application process we run through in detail, the obligations of the Guarantor, to ensure that they fully understand the commitment they are taking on.

We have created a dedicated section on our website called the Guarantor’s Hub, exclusively for Guarantors, where they can find information about TFS Loans and what it means to be a Guarantor. If your Guarantor has any other questions they are welcome to call us on 0203 476 4861.

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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