Rating based on 42 reviews

TFS Loans

  • Bad credit loans up to £15,000
  • Low-interest starting from 29.9%
  • Repayment up to 60 months

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TFS Loans homepage
Author TFS Loans. Screenshot of TFS Loans website.
[Accessed September 7, 2021]

About TFS Loans

TFS loans is an established credit lender offering loans for bad credit to a wide range of customers, including those who have been turned away by major banks.

The FCA-approved credit lender believes  every client is an individual whose character should not be judged by a credit score

Guarantor Loans are helping many in the UK

Thousands of customers have benefited from the credit provider’s loans for bad credit since its humble beginnings in 2003. TSF’s Guarantor Loans has helped thousands of clients avoid the debt trap, whose finances have been compromised by bad credit.

A TFS guarantor loan is all about trust. The lender knows that if a client’s family or a friend can be entrusted to sign a guarantee over any bad credit loan, then that’s enough trust for them to authorize any loan.

TSF can provide successful clients with an amount of up to  £15,000 on guarantor loans. A guarantor loan is a loan that can provide clients with an affordable personal loan for any purpose. This process is based on client trust instead of a person’s credit score.

TFS Loans Services

TFS loans is all about fast, simple, and flexible credit lending services especially when it comes to unsecured loans for bad credit.

TFS takes pride in the fact that it conforms to Responsible Lending Practices. The established UK lender will never approve any loans that the client will not afford. Furthermore, those looking for easy bad credit loans online can rest assured that they will not be subject to charge set-up fees. There are no hidden fees.

The online application process is as follows:

  • Use the loan calculator to select the amount of the loan required (between £5,000 and £20,000). The client chooses how long they need to pay it off – between 36  and 60 months.
  • The client fills out the online application, with personal details such as name, address, contact details etcetera.
  • The client provides basic details of their income.
  • If a client passes a credit search, TFS sends him or her a provisional loan offer, which can be reviewed and amended by the applicant.
  • Submit proof of income in the form of payslips and bank statements through a secure online portal, so that TFS can assess the client’s affordability to make the loan repayments. Once accepted money is transferred within a day.

TFS Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 29.9%
  • Loan Amount up to £15,000
  • Repayment 48 months to 60 months

Benefits of TFS Loans

  • Get a loan with a bad credit history
  • Loans are approved fast
  • No setup fees or hidden cost
  • Apply for a loan with a guarantor

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Apply for a fast, simple and flexible loan at TFS Group

Clients looking for easy bad credit loans must be at least 25 years old to apply for a home owner’s loan with TFS.

Clients who apply for this type of loan must be younger than 66 years of age when the loan completes. The maximum age of clients who apply for this type of loan is 61 and if they are applying for a two-year loan the maximum allowable age is 64.

The advantage of these types of loans is that TFS Loans are unsecured loans, so a homeowner’s loan is not secured against the client’s property. TFS works very hard to avoid borrowers getting into financial difficulty with payments of their loans, and makes every effort at their disposal to avoid further action against defaulters.

Guarantor Loans are designed to suit every individual

The person standing in as guarantor for the borrower must have a good credit rating with the Credit Bureau. Once all the necessary paperwork has been completed between the parties, TFS can approve loans from £1,000 to £15,000, which is repayable for 2-5 years.

The advantage of a TFS Guarantor Loan is that the interest is divided into minimum and maximum interest. The minimum fixed APR is 29.9% and the maximum fixed APR is 69.9%.

The online application process for guarantor loans:

  • Complete the TFS online application form.
  • The easy-to-do application can be completed in 60 seconds.
  • The client finds a guarantor- TFS will talk to the guarantor through the simple application process.
  • Once the application is approved, the money will be sent to the guarantor within a day.
  • The guarantor then transfers the money to the borrower.

TFS offers competitive interest rates

TFS is aware that people sometimes need urgent cash for emergencies that crop up from time to time. Therefore they offer unsecured loans for bad credit clients at competitive interest rates.

Clients might be in urgent need of cash for a car that needs fixing or to settle an unpaid doctor’s bill. Here is where TFS lends a helping hand, with the client not having to place an asset as security against any personal loan.

TFS Classic Rate allows clients two different payment options against approved unsecured loans. The cheapest fixed flat interest rate on an amount of £5,000 payable over 48 months is £169.88 per month. The representative APR is set at 29.9%.

Clients can check out their other options on TFS’ comprehensive website.  

man holding thumbs up

TFS Loans is a trusted & reliable provider of bad credit loans

In our review, TFS Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

TFS Loans is a registered credit provider in UK: FSA 724439

Customer Reviews & Testimonials

December 2021

With my guarantor, we were able to get the most affordable loan at TFS Group.

Danial N
— London —

November 2021

I am awe about the interest rates I received at TFS Group.

Angelic Y
— England —

October 2021

A very efficient well-mannered group. As a guarantor, you answered all the questions I asked and time was no problem. Thank you for looking after my daughter.

Ramsay D
— London —

TFS Loans Contact

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