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If you currently have a loan with us and have been affected financially by the COVID-19 pandemic, please click here for ways in which we may be able to work with you during these difficult times.

Debt Consolidation Loans

Managing debt can be stressful, worrying and overwhelming, and that’s just on a single debt. Sometimes, you can find yourself with multiple debts to pay and struggle to meet all the repayments. However stressful it may seem, there is an easy way to manage all debt in one payment. At TFS we offer loans to enable you to consolidate other loans through a simpler form of lending; guarantor loans.

A debt consolidation loan from TFS means that you can settle all your other outstanding debts with one loan and then make one monthly payment. By paying other debts off, your repayments are focused into one cost each month, with less hassle. One payment to one provider with the aim of reducing your monthly outgoings.

From paying off credit cards, payday loans, car finances or any other payments that may arise, a debt consolidation loan is an ideal way to manage multiple repayments by focusing them into one monthly payment. TFS Loans repayment rates may be more affordable and more manageable than trying to juggle multiple debt repayments.

If a debt consolidation loan sounds like it may be ideal for you, but you’re worried about your poor credit, then don’t panic. TFS Loans don’t operate like other lending companies or banks. At TFS, we lend based on trust rather than credit scores. Offering guarantor loans means we can assist you in consolidating debts even if you have bad credit.

A guarantor loan means that even if your credit is poor, we can offer you a loan for debt consolidation. We only ask that you find a guarantor to co-sign with you, to ensure that, if you are unable to make repayments on the loan, your guarantor will cover the costs for you. A loan from TFS can, not only help you consolidate debt you may have, but also improve your credit score. As long as you continue to pay monthly instalments after taking out a guarantor loan, your credit will improve over time with repayment of the loan.

Whatever your financial position, TFS Loans doesn’t only look at credit scores when approving applications, so if you have debt and bad credit, TFS can help. With a debt consolidation loan from TFS Loans, it is an unsecured loan. Essentially, this means that the loan is not secured against your home or the guarantor’s property but the guarantor is responsible for making any payments that you do not. A debt consolidation loan is a smarter way to manage your multiple debt repayments, into one convenient and more affordable monthly payment, to one provider. Removing the hassle of managing multiple debts, TFS Loans can help you consolidate debt, despite poor credit.

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

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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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