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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.

About TFS

The TFS Group was established in 2003 to offer a range of consumer finance products for borrowers who are unable to access the high street banks. We have grown significantly since then and have a particular niche in the “guarantor” unsecured credit and personal (secured) loan markets.

We have won numerous awards including Best Guarantor Loan Provider in the UK at the Business Excellence Awards 2018 and the Wealth and Finance Awards in 2017, a Gold Trusted Service Award from Feefo for excellent customer reviews in 2018, 2019 and again in 2020, as well as a Finest in Finance Award for excellence in Business to Customer lending in 2018.


We are passionate about the business which is reflected in our mission statement:

TFS Loans strives to be responsible providers of finance on reasonable and transparent terms to customers and businesses requiring an alternative to the mainstream funders in the UK. By making customer service, satisfaction and product innovation our primary focus we will ensure we meet our shareholders aims and objectives and those of the regulator.

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Why a TFS Guarantor Loan

Wouldn’t it be good if you could borrow money based on the relationships that you have instead of your credit history. With a TFS Guarantor loan you can do just that. A guarantor loan is an alternative way of lending that can provide you with an affordable loan for any purpose based on trust instead of your credit score.

If you have a poor credit history or no credit history and you are looking for a loan of up to £15,000, then trust based lending could be for you.

We care about your financial situation now, not in the past

What makes us different?

If you have struggled to keep up  with your financial commitments in the past, whether it was because you lost your job, had your hours reduced or suffered an illness, we understand that each situation is unique. What matters most to us is that you can afford our loan repayments along with your other outgoings. We will consider your application as long as your circumstances have improved and you are able to prove that you can now pay your commitments each month.

What matters most to us is that you can afford our loan payment along with your other outgoings.

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

We want to help

As an established lender, we have offered Guarantor Loans to thousands of people with past credit problems. Our view is simple. We believe you’re an individual, not a number or a credit score. If your guarantor believes in helping you get the loan you want, we do too.

44.9% APR Representative

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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


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