Rating based on 30 reviews

TFS Loans


  • Loans bad credit up to £15,000
  • Low-interest starting from 29.9%
  • Repayment up to 48 months

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TFS Loans homepage

Author TFS Loans. Screenshot of TFS Loans website. [Accessed September 4, 2019]

About TFS Loans

Bad things happen to good people all the time and sometimes these bad things can have an impact on your credit record.

We believe that simply assessing an applicant’s credit record is not enough because a missed credit repayment should not determine the rest of your financial future.

Why are bad credit loans are different

TFS has been around since 2003 offering a wide variety of financial products to borrowers who have bad credit records. With us, there is always an option.

The loan options

TFS operates mainly in the guarantor and personal loans markets and has received numerous awards including “Best Guarantor Loan Provider” in 2018 and also boasts a long string of satisfied clients. Our goal is to provide fair and affordable loans to all customers without discrimination. As long as your guarantor trusts you then we will too because everyone deserves a second chance.

TFS Loans Services

TFS recognized that customers need to be treated as an individual which is why we allow for guarantor loan solutions.

If you have a friend that can trust you, then we will trust you too. We allow for flexible borrowing, repayment and interest rates all depending on your current financial situation and your individual needs.

Get a guarantor loan today

A guarantor loan is a type of bad credit loan that allows a borrower to borrow money while using a trusted individual as a form of security. What this means is that a third party agrees to co-sign the loan and meet the monthly repayments should the borrower find themselves unable to do so.

Our loan terms

With TFS, we allow our customers to borrow up to £15,000 payable over a period of one to five years depending on the amount borrowed. The interest rates provided will depend on the amount borrowed, borrowing period and financial circumstances.

TFS Loans Product Details

  • Loan Type Loans bad credit
  • Interest Rate 29.9 – 44.9% p/a
  • Loan Amount up to £15,000
  • Repayment 24 months to 48 months

Summary of Services

  • No hidden fees
  • Fast approval
  • Bad credit is welcome

At TFS Loans we make getting a bad credit loan quick and easy

Whether you want to consolidate debt, go on a well-deserved vacation or improve your home we can provide you with access to the finance you need.

If you would like to discuss your options or have any other questions relating to our financial products, our customer support team will be happy to be of assistance.

Guarantor loans are a good option for you

Guarantor loans are a good option for individuals with a less-than-perfect history because they are able to obtain credit at lower interest rates due to having the added security of a guarantor. This can place you in a better financial position than before if you are able to meet all the monthly repayments without a problem.

You can also pay off your personal loan or make additional loan payments at any point without incurring any additional costs or fees. Your home is also not at risk if you are a homeowner because our loans are unsecured loans.

Applying for a guarantor loan

With TFS, applying for a loan has never been faster or simpler. Simply complete the online application via your computer or Smartphone and state the amount that you wish to borrow and submit your application. Our team will then assess your application and respond to you as soon as possible.

If you would like to speed up the process you can provide the details of your chosen guarantor at the end of the application. We will then contact the guarantor, arrange all the necessary documents and once everything has been approved the money will be sent to the guarantor's account who can then transfer the money to you all within 24 hours of applying.

Debt consolidation can help rid you of the blues

If you have multiple credit cards and are struggling to keep track of payment dates or if the interest accumulated is just too much, then we are happy to announce that you can use your guarantor loan for debt consolidation. This means that you can pay off all your existing debts and pay only the loan.

This can place you in a better financial position than before if you evaluate your finances carefully. Sometimes the interest accrued on a loan can be higher than that of a credit card because you pay a loan off over a longer period of time.

Friendly and efficient customer support

Whether you have a few questions or concerns about your loan or you are struggling to make repayments, our friendly customer support team has the answers that you seek. Contact our team any time during the week via telephone or email and they will be happy to be of assistance.

If you are concerned about missing a payment, it is important to contact us immediately to find a solution. If you are unable to make a payment yourself then we will turn to your guarantor to make the payment on your behalf.

Customer Reviews & Testimonials

March 2019

I completed the online form and received a call from the consultant. Andrew explained everything clearly and was able to answer my questions

Leo J
— London —

April 2019

Professional staff, I must say

Henry R
— Oxford —

June 2018

The best lender I have worked with

Chloe S
— Bath —

TFS Loans Contact Details

Physical Address

  • TFS Loans Ltd Brook House 26 Brook Road Rayleigh Essex SS6 7XJ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed