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Dear customer, during this time of uncertainty, TFS Loans will not be taking new loan applications and have temporarily suspended all new lending. Any applications made on our website will not be processed and your information will be deleted. We thank you for your understanding during this difficult time.

FAQs for Guarantors

What are my responsibilities as a Guarantor?

As the Guarantor on a TFS Loan you are responsible for paying any missed monthly instalments of the loan that are not paid by the Borrower. In the event that the Borrower stops paying the loan, you would need to cover the amount outstanding. This is why we ensure, during the application process, that you are able to do this and are fully aware of this commitment before you agree to be a Guarantor.

We will, of course, work with the borrower first, to try to ensure they don’t miss payments. We only come to you as a last resort and we will only ever ask you to pay in line with the agreement.

Take a look at our Guarantor Hub ‘What does being a guarantor mean?’. We have illustrated the questions that you should ask yourself before you decide to be a Guarantor on a loan. We have also produced an article about questions you should ask and an article about who can become 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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