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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 if the borrower does not pay?

Unfortunately, if the borrower fails to make a payment, for any reason, after discussing the missed payment with them, we would contact you. As the guarantor, we would ask you to cover the monthly payment for them. Providing loans with a guarantor, ensures that the monthly payments will be covered if the borrower cannot make a repayment.

For ways to make a payment, visit our ‘How to make a payment’ page.

It is important, when you become a Guarantor on a TFS Guarantor Loan, that you have the means to cover the monthly repayments should the borrower get into difficulties. This is one of a number of questions that you should ask yourself before you agree to become a Guarantor. Read our article here or visit our Guarantor hub, for more information.

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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