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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.

Instant Pay Out

Looking for an Instant Pay-out loan?

Well, a TFS Loan may be the right one for you! When you need a loan, and you need it fast, waiting a few days can feel like eternity. That’s why at TFS Loans, we strive to pay-out all our approved loans quickly. Because we understand how frustrating it can be needing a loan and having to wait for it.

Instant Pay-out Loans for people with bad credit

We offer guarantor loans at TFS, which means that even If you have a low credit score, you can apply. 44.9% APR Representative. Guarantor loans are great because they don’t rely solely on your own personal credit score for loan approval – making them ideal for those with bad credit. You simply ask someone you know to be your guarantor, they will co-sign your application and agree that should you be unable to make any repayments on the loan, they (your guarantor) will cover it for you.

Who can be your guarantor?

Your guarantor can be a friend or family member, your colleague or even your landlord! All they have to do is trust you to make the repayments and be in a position to cover them if you cannot. You can see the full list of guarantor criteria at the bottom of the page and visit our Guarantor hub for more information.

You might be asking how we can offer instant pay-outs on guarantor loans. Firstly, to streamline the process, we have a loan calculator on our website – which shows you just how much you could borrow over how long. Next, same day guarantor loans can be paid out by us within 24 hours! When you apply for a TFS Loan, if both you, the borrower, and your guarantor are available to speak to us on the phone, you could be on your way to receiving your loan a lot more quickly! You and your guarantor must read and sign all the documentation and return it to us as soon as possible (having made sure you have taken the time to  read and understand everything).

Speeding up the application process

Whilst we can’t guarantee you’ll receive your loan within 24 hours, we aim to pay out all approved loans quickly. It’s reliant on a number of factors and providing you have the information listed below to hand when you call, or we call you, it should speed up the process:

  • Your name and address
  • Your Bank Account Number and Sort Code
  • Address of your employer
  • Net income (either weekly or monthly)

It would also be helpful for you to have the following documentation available, in case we need to see it (which isn’t the case for every applicant):

  • Last 3 payslips or your SA302 (if self-employed)
  • A Bank Statement

We aim to process every loan as quickly as possible, but we also ensure that both parties fully understand what a Guarantor Loan is, and the commitments involved, before the loan is paid out. It is important to take the time that you need to understand Guarantor Loans in detail – particularly from the perspective of the Guarantor, before you commit to taking out a Guarantor Loan.

tfs loans guarantor loans process

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
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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