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.
When you need a lot of money, and your credit isn’t great, there may seem like there’s no other way. Fortunately, there is. Those seeking a loan of around £12,000 but have bad credit may be approved by us! We offer £12,000 loans at 29.9% APR, repayable between four and six years, to suit you. At TFS, we don’t just use credit scores to approve our loans. We rely on trust-based lending, a method that has been long forgotten since digitised credit scores.
If you have someone who trusts you to repay your loan, they can support your application. They will sign to agree that should you be unable to make any repayments on the loan, they’ll cover the monthly costs for you. At TFS Loans, we only contact guarantor if you cannot make your monthly loan repayments. This means that you could borrow £12,000 and more for whatever you need (for any legal purpose). Use our loan calculator to see what you could borrow today!
44.9% APR Representative.
Start your application now with our simple 60 second online form.
We’ll talk them through our simple application process.
On approval, we’ll transfer the funds to your guarantor’s bank account.
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
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