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How does the application process work?

Personal Loan Application Process

1. Choose the Loan Amount and How Long you Need to Repay It

Use our loan calculator to select the amount of the loan you require (between £5,000 and £20,000), and choose how long you need the loan for – between 36 months and 60 months.

This will show you the monthly repayment amount and the applicable interest rates (the rate we offer you is subject to status). If the repayments are affordable, you can then go on to complete our loan application form.

2. Fill out the Application Form

Fill out the personal loan application form. This doesn’t take long, and you will need to provide some personal details, such as name, address, phone number, date of birth, and basic details about your income.

You will need to agree our terms and conditions then submit your application.

3. We send you your loan documents

Providing you pass our credit search, we will send you a provisional loan offer where you can review both the rate of interest and maximum loan amount we can offer you. At this stage, you have the opportunity to amend the term and loan amount providing it remains at, or below, the maximum loan we can offer.
From there, you can review the loan agreement and sign this to confirm you are happy to proceed. This is a provisional agreement subject to a few further checks and you demonstrating you can afford the monthly repayments.

4. Send Proof of Income

As part of the application, we will request proof of income, which will be payslips and bank statements. To assess your affordability, we use an Open Banking service ‘’ which is provided by our trusted partner Account Score (an Equifax Group company).
This acts as a secure portal for you to send us your bank statements directly to us so we can assess your affordability to make the loan repayments. At no stage in the process are we able to view or store your login details.

5. If accepted, Money is Transferred

Once we are satisfied you can afford the loan repayments and after a few final checks, we will transfer the money directly to your bank account. If all goes smoothly, this can be within 24hrs, though typically the process can take a few days. We aim to let you know very quickly whether you are eligible for your personal loan, so you don’t have the worry of waiting.

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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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