TFS Guarantor Loans - TFS Logo

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

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39.9% APR Representative.

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

About us

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.

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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.

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

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.

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From 331 Reviews

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.

39.9% APR Representative

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