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COVID-19 Update: Dear customer, during this time of uncertainty, TFS Loans will not be taking new loan applications and have temporarily suspended all new lending.
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.

FAQs for Borrowers

Can I apply for a loan if I have a CCJ?

Yes, you can. As with Bankruptcy, we accept customers that high street and online lenders don’t always accept, as long as you can provide someone to be your Guarantor. That person needs to be aged between 18-75 when you take out and complete the loan, they should own a home in the UK, have a good credit score and be able to afford the loan repayments if you cannot.

Other lenders will judge your credit score when you apply for a loan. But at TFS, we accept those with bad or no credit, as long as they can provide a guarantor to support their application. For more information on Bad Credit Loans, visit our Guarantor Loans section.

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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