TFS Guarantor Loans - TFS Logo

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

Terms and conditions apply. Click here for details.

39.9% APR Representative.

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. 39.9% 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:



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):


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.


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