39.9% APR on loans from £5,000-£10,000 / 29.9% APR on loans above £10,000 / Apply Now!
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 and 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.
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.
15th February 2019
Fast process and the staff were wonderful. Great professional people, definitely recommend TFS. Thank you!
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!
16th June 2017
Great Service, kept me well informed every step of the way. Extremely efficient.
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.
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.
10th October 2016
I would definitely recommend TFS loans and would use them myself again. Everything thoroughly explained in detail!
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
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
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.
13th November 2018
Very thorough and informative.
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.
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.