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News and Blog

Getting Involved in Cupcake Day for Dementia

by Isla Lightfoot / June 20th, 2018

Thursday 14th June was official Cupcake Day. Run by the Alzheimer’s Society, it’s a perfect day to bake cakes, eat cakes, make friends and raise some money for a great cause. We thought we’d get involved, so some of our team made some delicious nibbles including Chocolate cakes, fairy cakes and cookies. The rest of the team enjoyed eating them whilst making donations to this great cause. In total we raised £120. Dementia is a devastating disease and there is currently no cure. In the UK, someone develops dementia every three minutes. The Alzheimer’s Society work tirelessly to support anyone…

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Finalist in Consumer Credit Awards in the ‘Best Guarantor Loan Provider’ Category

by Isla Lightfoot / June 13th, 2018

The Consumer Credit Awards are the largest consumer-voted awards within the consumer credit industry and we are really pleased to announce that, thanks to all our lovely customers who have voted for us, we have been shortlisted as a Finalist in the Best Guarantor Loan Provider category. We’ve had a fantastic year full of award wins. Check out our Awards page to see what else we have won in 2018. Voting continues until 1st July and winners will be announced on 12th July. If you haven’t yet voted for us and would like to, visit: It takes a few…

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5 Common reasons people can get into debt

by Steve Lee / June 12th, 2018

  Debt is something that most of us will deal with at some point. Sometimes through our own poor decisions and sometimes through misfortune there are a number of ways we can land in financial trouble. Of course, not all debt is bad debt such as a University loan or mortgage on a property, but in this blog we take a look at 5 common reasons people get into debt.   Being made redundant/unemployed Sadly this is something that many of us will face at some point in our lives and most often through absolutely no fault of our own….

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Questions When Applying For a Guarantor Loan

by Steve Lee / June 7th, 2018

We thought we’d update one of our most popular Blog articles about the most common questions people want answers to when applying for a Guarantor loan. Here are our top ten, so far in 2018: What is a Guarantor Loan? A guarantor loan may be an ideal loan for anyone with bad credit. It does not charge the same very high APRs of the pay-day loan companies and can be more convenient and easier to obtain than a normal bank loan. All you need for a guarantor loan, is a second person, your guarantor, to co-sign the document to ensure that…

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We’re Guarantor Loan Provider of the Year 2018!

by Isla Lightfoot / June 6th, 2018

We’ve been crowned Guarantor Loan Provider of the Year in 2018 by the Global Business Insight Awards. These awards celebrate business leadership, innovation in finance and investment globally. This marks a fantastic year for TFS Loans so far. We’ve won a number of prestigious industry awards in 2018, including a Feefo Gold Service Award for excellent customer reviews, Best Guarantor Loan Provider in the UK at the Business Excellence Awards, a Finest in Finance awards and Highly Commended from Money Net as Best Credit Builder. As always we want to thank our fantastic customers for their continued support and feedback….

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Amazon Smile – how you can help charity simply by shopping!!

by Steve Lee / June 1st, 2018

  Online shopping powerhouse Amazon has recently launched a new initiative which is designed to raise money for charities through every day purchases.   ‘Amazon Smile’ is a sub section of Amazon’s main website has been set up so that a buyer can choose their charity from a selection of nearly 1 million so that every time they make a purchase, a small portion of the cost is donated to that particular charity. Tens of millions of products are eligible and The AmazonSmile Foundation will donate 0.5% of the purchase price of these eligible products (product price only – not…

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The Differences Between a Guarantor Loan and a Payday Loan

by Steve Lee / May 29th, 2018

  We published a blog last year about the main differences between a Guarantor Loan and Payday Loan. We thought this topic was worth revisiting as there is still quite a lot of confusion about the distinctions between the two.   The main difference between the two types of loan, aside from Payday Loans generally having much higher APRs, is that a Payday Loan is a short term loan, that you get out to use in an unforeseen emergency that you don’t have immediate funds to pay for, but you should be in a position to pay it back on…

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May – Freebies and Vouchers

by Steve Lee / May 17th, 2018

  Every couple of months, the team here at TFS pick out, pluck out and, well, copy and paste some of the best money saving vouchers and freebies from the web…!   Up to £50 off a minimum spend @ Very Voucher codes for £10/£20/£30/£40 & £50 off of a £100/£200/£300/£400 & £500 spend at Very Just visit and use code(s) 10OFF / 20OFF / 30OFF / 40OFF / 50OFF to apply the discount.   Sonic the Hedgehog Classic Game, FREE to play old classic @ Google Play Who doesn’t love an absolute classic?! The Sonic game that started it…

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GDPR – what you need to know

by Steve Lee / May 16th, 2018

  With GDPR coming into effect in May, do you know all you need to about it? We’ve got all the essential info in this post.   As of May 25th, the EU are bringing in new data regulatory standards to make the internet a fairer place for everyone – especially us users. Whilst we may be leaving the European Union, maintaining these data standards still applies to us – both UK residents and businesses. If you aren’t too sure what the new GDPR means for you, there’s some key information you need to know. In this post, we’ll be…

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What your credit file and credit score really means

by Steve Lee / May 11th, 2018

  This may come as a surprise, but in real world terms to lenders, your credit score means very little.   Why? Because your ‘credit score’ is merely a number generated by Credit Reference agencies such as Experian, to show a very basic summary of your current financial position. Yes, this may be handy to you for an ‘at a glance’ view of your credit file, but this is NOT the same criteria used by lenders. They will have their own scoring system which we, as consumers, will never get to see. Consider this: Experian rank their credit score from…

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