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£12,000 Guarantor Loan

When you need a lot of money, and your credit isn’t great, there may seem like there’s no other way. Fortunately, there is. Those seeking a loan of around £12,000 but have bad credit may be approved by us! We offer £12,000 loans at 29.9% APR, repayable between four and six years, to suit you. At TFS, we don’t just use credit scores to approve our loans. We rely on trust-based lending, a method that has been long forgotten since digitised credit scores.
If you have someone who trusts you to repay your loan, they can support your application. They will sign to agree that should you be unable to make any repayments on the loan, they’ll cover the monthly costs for you. At TFS Loans, we only contact guarantor if you cannot make your monthly loan repayments. This means that you could borrow £12,000 and more for whatever you need (for any legal purpose). Use our loan calculator to see what you could borrow today!

44.9% APR Representative.

Apply for a £12,000 Guarantor Loan

Bad Credit, CCJs & Defaults
44.9% APR Representative
Quick approval
Easy to repay early
No setup fees
Fast Simple Flexible
How to get your guarantor loan
Complete the form
Complete the form

Start your application now with our simple 60 second online form.

Find a Guarantor
Find a Guarantor

We’ll talk them through our simple application process.

Money sent
Money sent

On approval, we’ll transfer the funds to your guarantor’s bank account.

Most common questions people ask when applying for a Guarantor loan:
£12000 Guarantor Loan Rates
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
Helpful Videos

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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