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Guarantor Loans

Guarantor Loans from TFS

At TFS Loans we offer two types of loan products – personal unsecured loans and guarantor loans. A guarantor loan requires you to have someone else on the loan who guarantees to make the loan repayments on your behalf, should you find yourself unable to.

With a guarantor loan from TFS, you could borrow up to £15,000 – subject to your credit and affordability profile – with the option to spread repayment over a varied period of time. Guarantor loans may be a suitable way for you to borrow money, so why not get in touch today?

What is a Guarantor Loan?

A guarantor loan is essentially a loan where you find someone who will ‘guarantee’ to make the monthly payments in the unfortunate event that you cannot.

It works on trust-based lending and is an unsecured loan, meaning you do not 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 you trust who is willing to and can afford to make the monthly payments in the situation that you cannot.

Who can be my Guarantor?

Your guarantor can be a friend or family member, a work colleague or even your landlord… as long as they have a good credit status and can demonstrate they can afford to make the monthly loan repayments.

For our Homeowner Guarantor Loans, your guarantor needs to be a UK homeowner. If they are a Tenant, you may be eligible for one of our Tenant Guarantor Loans.

As long as your guarantor can afford the monthly repayments and is willing to make these payments should you find yourself unable to, then they can be considered to act as guarantor on your loan application.

What could I use my loan for?

Your loan can be used for almost anything, as long as it’s legal. From debt consolidation*, car finance or even funding your dream wedding, a guarantor loan is a different kind of personal loan which may just be suitable for you.

(Please note: We do not allow customers to borrow for gambling or investment purposes)


*Consolidating debts may increase the term and the total amount payable.

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 may be a suitable way to borrow money.

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

My Guarantor is...
How much would you like to borrow?
You will need to be a homeowner to apply for this amount
Over how many months?
Monthly Repayment
Total Repayable
Loan Period
Representative APR
Representative example

36 Monthly Repayments, borrowing £5,000
Total Amount Payable: £8,418.60
44.9% APR Representative
Rate of Interest 22.79% Fixed Flat Rate
Monthly Repayment: £233.85

Got Questions

Visit our FAQs pages for any questions you may have about Guarantor Loans.

Get Answers

Nothing but friendly helpful service from start to finish with my loan application. Everything has been sorted within 24 hours with exceptional customer service provided! I will definitely recommend TFS to my friends.

Callum Pettitt

15th February 2019

Fast process and the staff were wonderful. Great professional people, definitely recommend TFS. Thank you!

Angela Talbott

3rd July 2017

Excellent communication from well trained staff who explained everything from start to finish. I had the pleasure of dealing with Sally who was lovely. Well done!

Karen Walpole

16th June 2017

Great Service, kept me well informed every step of the way. Extremely efficient.

Joanne Yeaman

1st June 2017

A very efficient well mannered group. As a guarantor you answered all the questions I asked and time was of no problem - thank you for looking after my daughter.

Anthony Dinsdale

28th February 2017

All customer service personnel were really polite and extremely helpful. I would definitely recommend the company to others. I would definitely use the service again if needed in the future.

Debra Ramsay

10th October 2016

I would definitely recommend TFS loans and would use them myself again. Everything thoroughly explained in detail!

Simon Lewis

25th July 2017

I felt that the process from start to finish was smooth and quick. My application was dealt with, with ease and I look forward to being able to use this loan for a good cause

Charlene Foster

16th September 2017

Highly recommend TFS Loans very friendly and people person advisors. Very helpful very quick decisions I have had 2 loans with them now

Amanda Taylor

1st October 2018

Very helpful friendly staff. Good rates. Would recommend TFS Loans .

Anthony Denis Millington

8th October 2018

Very good service and explained everything that was going on. Highly recommend TFS for a loan.

Jamie Rhodes

13th November 2018

Very thorough and informative.

Christine Lowe

3rd December 2018

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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