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Dear customer, during this time of uncertainty, TFS Loans will not be taking new loan applications and have temporarily suspended all new lending. Any applications made on our website will not be processed and your information will be deleted. We thank you for your understanding during this difficult time.

39.9% APR ON ALL LOANS BETWEEN £3,000 AND £7,500 - Until 31st August 2018



This document sets out the rules for this promotion. Make sure you read them carefully and understand them all before you apply for a TFS Guarantor Loan.


TFS Loans is running a promotion: If you take out a TFS Guarantor loan between £3,000 and £7,500  from Monday 15th January 2018 until Friday 31st August 2018, you will receive an exclusive rate of 39.9% APR throughout the entire term of your loan (the “Promotion”). By entering, you agree to be bound by these terms and conditions. This promotion is available to existing TFS Loans Customers if they top up their loan by a minimum of £2,000. For example, if your current balance is £5,000, you would need to apply for a loan of £7,000 in total (an increase of £2,000 on your current balance), in order to benefit from the exclusive rate of 39.9% APR on the total amount.


  1. “The Promoter” “we”, “us” and “ours” means TFS Loans Ltd.

Who may enter?

  1. The Promotion is open to Individuals aged 18 or over resident in the UK at the time of entry. You are not eligible for the Promotion if you are materially connected to the administration of the Promotion or are an existing customer of TFS Loans seeking to top up your existing loan.

How to enter

  1. You can enter the Promotion by Applying successfully for a TFS Guarantor Loan of between £3,000 and £7,500 from Monday 15th January 2018 until Friday 31st August 2018. Applications must be made online at or through the TFS Loans call centre.
  2. To be eligible for 39.9% APR on loans between £3,000 and £7,500 you must successfully meet the criteria, provide a UK homeowner Guarantor who meets the criteria and receive the monies, provide all requested paperwork and receive the loan amount into the Guarantor’s account.
  3. Lost, delayed, undelivered, incomplete or multiple entries will not be entered into the Promotion.

The Offer

  1. TFS Loans agrees to fix an interest rate of 39.9% APR on all loans between £3,000 and £7,500 providing that the loan is completed between 00:01 Monday 15th January 2018 and 23:59 Friday 31st August 2018.
  2. No alternatives will be offered. The offer cannot be exchanged or transferred.

Personal Information

  1. Promoter will only collect, store and use your personal information, such as name, age, telephone number and email address for the purposes of delivering your offer and administering the Promotion as set out in these rules, and not for any other purpose without your consent. This will not affect any existing marketing preferences that you have registered with TFS Loans.
  2. By entering the Promotion, you consent that your personal information may be transferred to our service providers and agents (including their sub-contractors) to store and use as necessary to administer the Promotion. We will never pass your information to any third party for them to use in their own direct marketing, without your consent.
  3. Your personal information will be held on record for a short period of time as necessary to administer the Promotion and then securely destroyed.


  1. To the extent permitted by law, the Promoter will not be liable for any loss, damage, injury or disappointment suffered in connection with the Offer (including any damage to your or any other person’s computer or mobile phone equipment as a consequence of downloading or accessing any materials), or any delays or failure (in whole or in part) to perform any of its obligations if such delay or failure is caused by something beyond its reasonable control.


  1. The participant may be required to take part in promotional activity related to the Promotion and the participant shall participate in such activity on TFS Loans Ltd’s reasonable request. The participant consents to the use by TFS Loans Ltd and its related companies, both before and after the closing date of the Promotion for an unlimited time, of the participant’s voice image, photograph and name for publicity purposes (in any medium, including still photographs and films, and on the internet, including any websites hosted by TFS Loans Ltd and its related companies) and in advertising, marketing or promotional material without additional compensation or prior notice and, in entering the Promotion, all entrants consent to the same.
  2. Owing to exceptional circumstances outside its reasonable control, the Promoter may choose to withdraw or amend the Promotion.
  3. By submitting an entry, you warrant that all information submitted as part of the entry is true, current and complete. The Promoter reserves the right to verify all entries.
  4. These rules shall be governed by and construed in accordance with the laws of England and Wales and the courts of England shall have exclusive jurisdiction in relation to any disputes arising in respect of this Promotion.
  5. The Promoter is TFS Loans Ltd, Brook House, 26 Brook Rd, Rayleigh, Essex. SS6 7XJ.

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.

Callum Pettitt

15th February 2019

Fast process and the staff were wonderful. Great professional people, definitely recommend TFS. Thank you!

Angela Talbott

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!

Karen Walpole

16th June 2017

Great Service, kept me well informed every step of the way. Extremely efficient.

Joanne Yeaman

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.

Anthony Dinsdale

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.

Debra Ramsay

10th October 2016

I would definitely recommend TFS loans and would use them myself again. Everything thoroughly explained in detail!

Simon Lewis

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

Charlene Foster

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

Amanda Taylor

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.

Jamie Rhodes

13th November 2018

Very thorough and informative.

Christine Lowe

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

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