TFS Guarantor Loans - TFS Logo

39.9% on loans from £3,000 to £10,000, until 31st July 2018.

Terms and conditions apply. Click here for details.

39.9% APR Representative.

Guarantor Loans

Guarantor Loans from TFS

For those with a poor credit score, finding an affordable loan feels impossible. Wouldn’t it be ideal to borrow money based on the relationships you have, instead of your previous credit history.

If you’ve got a less than desirable credit score and you’re looking for a loan, TFS Loans may have just what you need. At TFS, we are a guarantor Lender – meaning we offer guarantor loans – for those with bad credit or no credit history. With a guarantor loan from TFS, you could secure up to £15,000, with the option to spread repayment over a longer period than other lending companies offer. Guarantor loans are a more affordable way of borrowing money, especially if you have poor credit. 39.9% APR Representative.

What is a Guarantor Loan?

A guarantor loan works on trust based lending and is an unsecure loan, meaning you don’t have to put your property up as collateral against the loan. Essentially, you don’t need to be a UK homeowner to secure a loan. We only ask that you provide a guarantor with your application, someone who is willing to co-sign the documents for the loan with you and is willing to cover any repayments on the loan that are missed by you, the borrower.

Who can be my Guarantor?

Your guarantor can be a friend or family member, as long as they have good credit. Your guarantor needs to be a UK homeowner. As long as your guarantor does not have bad credit and can afford the payments, they can support your loan application.

What could I use my loan for?

Your loan can be used for almost anything, from debt consolidation, paying off credit cards, car finance or even funding your dream wedding, a guarantor loan is a different kind of personal loan.

The Best Guarantor Loans

The best guarantor loans have low APRs and offer a range of terms to suit you. Having a guarantor ensures that payments are made should you, as the borrower, be unable to make them.

A guarantor loan from TFS has no hidden charges or set up fees. With a quick approval and the option to repay your loan early, a loan from TFS is a smarter and more sensible way to borrow money.

Use our loan calculator to see how much you could borrow.


You're applying to borrow £4,500.00 over 48 months. Repaying £172.88 per month. Total repayable £8,298.24. APR 39.9% Representative Fixed


For any more questions you may have about Guarantor Loans, visit our FAQs page.