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1 simple step to your guarantor loan
If at any point you need help during your application, get in touch on 0203 476 4170

Loan Amount

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My Guarantor is...
How much would you like to borrow (£) ?
You will need to be a homeowner to apply for this amount
Over how many months?

You're applying to borrow £5,000.00 over 48 months. Repaying £203.08 per month.
Total repayable £9,747.84. APR 44.9% Representative Fixed.
You have selected above that your guarantor is a Homeowner.

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Important information & Privacy Policy

Privacy Policy

We will always store your personal details securely. We'll use your details to provide the service that you have requested, and communicate with you in the way(s) that you have agreed to. Your data may also be used for analysis purposes, to help us provide the best service possible. We will only allow your information to be used by suppliers working on our behalf and we'll only share it if required to do so by the law.

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by visiting the FAQ page.

For full details see our Privacy Policy or contact our Customer Services team 01268 740756, cs@tfsloans.co.uk.

Important Information

We have no information to suggest that the loan is unsuitable for your proposed use.

You will have 14 days to withdraw from the agreement after the loan has completed. If you decide to do this, you would need to notify us within 14 days of receiving a copy of the agreement signed by TFS Loans. You then need to return all the money within 30 days, plus a daily rate of interest to cover the time from when you received the money until we receive them back as cleared funds in our bank account.

If you miss any of the loan repayments and do not make a payment arrangement with us to clear the arrears we would then contact your Guarantor and discuss the possibility of them clearing the arrears or paying any shortfall on the monthly payment or coming to an arrangement with us to do this.

If an arrangement is not agreed or if an arrangement is agreed but not maintained then we may take action against all parties to the loan. The first stage of action would be a default notice being issued against all borrowers with a copy sent to your Guarantor. The default notice could lead to legal action being taken to obtain a County Court Judgement (or similar in Scotland and Northern Ireland) which would be registered against you and your Guarantors credit file. The County Court Judgement could be enforced against you or your Guarantor through any of the following:

     • An attachment of earnings order against you and your Guarantor
     • A charging order against you or your Guarantors home or property
     • Other enforcement action such as seizure of assets by a Court Bailiff.

The cost of any of the above actions may be added to the debt you owe us.

Full details of the above will be explained in the documentation we send you to sign and return if you proceed with the application. Please make sure you read the documents before signing the agreement. Once you have signed the agreement you will receive a signed copy to keep for future reference.

The personal information we collect from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by visiting the FAQ page on our website TFSloans.co.uk

Debt Consolidation

Please note that if you use the proceeds of this loan to consolidate any existing borrowing you should be aware that you may be extending the term of the debt and increasing the total amount you repay. We do not provide debt advice, therefore should you have any questions or concerns about this; you should seek independent debt advice from a specialist.

We would like to keep you posted with occasional offers and relevant news. Your details will only be used by TFS Loans Limited and its group of companies and you can change your mind at any time. Please tell us if you would be happy to be contacted:

Lower 29.9% Rate

From the details you have provided, you may be eligible for our lower rate of 29.9%, so we have provisionally adjusted this for you. This rate is subject to credit checks and final affordability checks.

After your guarantor has confirmed their details and we have performed a credit search, we will present you with the best available options and you will have the opportunity to accept or decline this offer.

Homeowner Guarantor

Unfortunately, from the details you have provided us, we are unable to accept a Tenant as your guarantor.

In order for you to proceed with the application, your guarantor must be a Homeowner.

If you know of a Homeowner that can act as Guarantor for this, please head back to our site to re-start your application.

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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 www.moneyadviceservice.org.uk

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