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.

Non-Homeowner Guarantor Loans

For many of those seeking a loan, one of the biggest concerns is whether or not you need to be a homeowner. While some companies will require you to own a home, and ask you to put your house up for collateral against the loan, TFS Loans does not. For guarantor loans from TFS you don’t need to be a homeowner, in order to apply for a loan.

Loans that require you to be a homeowner are called ‘secured loans’, this means that you need evidence of owning property to support your application and your loan is lent against your home. The types of loans we offer at TFS are non-homeowner guarantor loans. A non-homeowner guarantor loan, is an ‘unsecured loan’, meaning you don’t need to be a homeowner to apply for the loan. The term ‘unsecured loan’, simply means that your loan is not secured against your home or any property.

We understand at TFS that the property market is tough to crack, and that are customers may not be homeowners. Non-homeowner guarantor loans are ideal loans for those who don’t own property. The only criteria for a guarantor loan, is that you have a guarantor to support your loan application. The role of the guarantor, is to ensure that should you, the borrower, miss any repayments on your loan, your guarantor will cover the cost for you instead, until you resume paying. It’s as simple as that. Trust based lending for non-homeowners.

So, even if you rent or live with the parents , you can still apply for a non-homeowner guarantor loan. Your guarantor can be anyone with good credit who is a homeowner, all they have to do is agree to cover any repayments on the loan, should you be unable to pay.

Making non-homeowner guarantor loans an ideal way to secure a loan when you need it most, no fees, no deposit, no property as collateral. Just trust based lending from TFS Loans.


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