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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 Guarantors

Does this loan show on my credit file in my name?

No. As long as the loan is paid in full, this will not show as a loan on your credit file. A loan from TFS will not affect your credit score or credit file, in the long term, as you are not the borrower. You co-sign the documents in order to ensure that, should the borrower fail to make monthly payments, you will cover the cost instead. The loan is in the borrower’s name and you are listed solely as a guarantor.

In the first instance, there will be a credit check noted on your Credit File. This however is temporary and does not affect your long term score.

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 www.moneyadviceservice.org.uk

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