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 was formed in 2003.

We offer a range of services to everyone including those who have been rejected by the high street banks. We are always looking forward to lending a helping hand in times of need.

We always look for ways to simplify your life

Although TFS Group is an established lender, we have managed to offer Guarantor Loans to thousands of people with past bad credit problems. We have a simple view that believes in an individual, not a number or a credit score. All you need is a guarantor that believes in helping you get the loan you want, we do too.

Why a TFS Guarantor Loan

With a TFS Guarantor loan, you could borrow money based on the relationships that you have instead of your credit history. We could borrow you up to  £15,000. A guarantor loan is a loan that can provide you with an affordable personal loan for any purpose based on trust instead of your credit score.

TFS Loans Services

TFS Group has amazing and affordable services to offer.

All you need is a guarantor that believes in you as much as we do. It is easy to apply for any of our services with less paperwork required.

Guarantor loans at TFS Group

A guarantor loan is a loan designed to suit your individual financial circumstances. But you can only get it by having another person ( it could be your partner, friend or family) to stand for you. The person should have a good credit rating. With TFS Group you can borrow from £1,000 to £15,000. Which you can repay over a period of 2-5 years. At TFS Group we allow you to take full control of your loan.

TFS Group guarantor loan rates

Our guarantor loan is accompanied by fixed rates. Fixed rates make it easy for you to budget since you are fully aware of how much you spend on your loan each month. You can expect to be charged an interest of  20.33%. While we can also work around your loan to determine which fixed APR is suitable for you. Since it is divided into two which is minimum and maximum interest. The minimum fixed APR is 29.9% and the maximum fixed APR is 69.9%.

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 Online loan calculator is subject to our terms of use.

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

We are a trusted credit provider that will offer nothing but incredible service.

TFS Group believes in responsible and fair lending. We don’t charge set up fees and we don’t have hidden fees. All we do is to make it easy for you to repay your loan early.

Steps to getting a TFS Group guarantor loan

  1. Complete the TFS online application form- all you need is an internet connection to access the TFS group website. Fill in the application that can be completed in 60 seconds.
  2. Find a guarantor- we will talk to your guarantor through our simple application process.
  3. Money sent- once the application is approved, the money will be sent to your guarantor, to get assurance that we loaned you. The guarantor will then transfer it to you.

What does a guarantor do

A guarantor does not have much duty during the loan application process. The guarantor will speak to us and go through the process, including an affordability assessment. Afterwards, sign documents that will be sent to them electronically or by post. We will then call them to discuss the terms and conditions of the loan.

Whom we accept as a guarantor

A guarantor can be someone who trusts you to pay a loan. It can be a family member or friend. But your guarantor should be:

  • A UK Homeowner
  • Be between 18 years and 75 years (at end of term)
  • Have a regular income
  • You are allowed to pay off your loan sooner
  • At TFS Group you can settle off your loan anytime during the period of your loan. However, you will be subjected to an early charge of up to 58-days interest.

How to get hold of TFS Group

TFS Group services are mostly found on our website. But you can also visit any of our branches. We are also available on calls but only during our working days and working hours. Apply for the most affordable loans today!

TFS Group is different from other lenders

If you are struggling to keep up with your financial commitments, you can always turn to us for a suitable loan. If you can afford our loan repayments along with your other outgoings, that’s all we need to assist you with a loan. We believe in second chances because we know how it feels to be turned down in times of need.

TFS hard work is being recognized

TFS has won different awards including Best Guarantor Loan Provider in the UK at the Business Excellence Awards 2018 and the Wealth and Finance Awards in 2017,  Feefo gave us a Gold Trusted Service Award for excellent customer reviews in 2018 as well as in 2019, we also won Finest in Finance Award for excellence in Business to Customer lending in 2018.

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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 the UK; FCA number 724439

Customer Reviews & Testimonials

December 2019

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

Danial N
— London —

November 2019

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

Angelic Y
— England —

TFS Loans Contact

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