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Unsecured Personal Loans FAQs

Applying for a personal loan can see a bit daunting. TFS loans have years of experience lending, and we are able to talk you through the simple process. Read some of our frequently asked questions below:

Can a TFS loan help my credit rating?
How can I make a payment or settle my loan?
How can I make monthly payments?
How old do I need to be to apply for a TFS Homeowner loan?
Is my home at risk?
What happens if a repayment is due on a bank holiday or weekend?
What is an electronic signature?
What is APR?
What is the cooling off period?
What is the most I can borrow with a TFS Homeowner Loan?
What would happen if I missed a payment?
When will the repayments start?
Can I apply over the phone?
Can I make extra payments?
Can I take a payment break?
Do I need to speak English to borrow from TFS Loans?
Do you accept people discharged from bankruptcy?
Do I have to set up a Direct Debit?
What would happen if I couldn’t pay my loan?
Why do you need details of my mortgage and property?
Does this loan show on my credit file in my name?
Why do you need my bank and I.D details?
Is a TFS Homeowner Loan secured against my property?
If I change my mind, how long do I have to cancel?
What if I am not satisfied with the service I have received and or wish to make a complaint?
Do I have to pay any fees upfront?
Is bad credit a problem?
What can I use the money for?
How is the information held by fraud prevention agencies used?
Do I need an income?
Can I pay the loan off early?
Will my payments increase during the loan?
How do I apply?
How quickly can I receive my loan?
Can I clear my existing loans and credit cards?
Are you able to give advice?
What can I do if I am in financial difficulty and I’m having trouble making my repayments?



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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