TFS Loans
We’re not referring to TFS | Other Loans £1,000 - £15,000 >
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which is significantly more than most of the other lenders. Their rates are also reasonable and they have loans available to both homeowners and tenants. If you have a poor credit rating, then the options to get larger loans are normally non-existent, but TFS have now made this a reality.
TFS also have a sister brand called SUCO; they offer exactly the same product, are owned by the same company and are administered by the same people. The only difference is the name.
If you have a poor credit rating, and are looking for a larger loan, then TFS are a very good option to consider
Loan Highlights
No fees of any kind
You don't need to have a good credit history
Guarantor loans available up to £15,000
Your guarantor does not need to own their home
A good credit history is not essential
Minimum Criteria
Must be able to demonstrate a regular income
Must be a UK homeowner to be eligible for loans of £8,000+
Your guarantor must be aged between 18 and 78 years old
Your guarantor must be a UK homeowner
Your guarantor must have a regular income
Fees
Maximum APR 49.9%
Arrangement fee: £0
Early repayment fee: £0
Late payment fee: £0
TFS Loans online reviews
4.6 out of 5 from 672 online reviews
TFS has over 650 reviews online on Feefo and Trustpilot although the vast majority are on Feefo.
We have compiled below a selection of these reviews, both good and bad.
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Definitely recommend this company!
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Good service, professional, very informative.
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Quality service, customer focused!
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Nice easy process , excellent staff and very helpful
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Made me feel at ease through the whole process ,very friendly
Trusted Customer -
perfect service . good speaking with all staf
Mihaela Stancu
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First class service, very quick but thorough customer experience
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Excellent, friendly and thorough service
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Every thing explained well and good well informed and pleasant staff
Robert McAvoy Quar -
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lighthearted but professional
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Every thing explained well and good well informed and pleasant staff
Robert McAvoy Quar -
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Excellent service
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Very quick and helpful
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Quick, effective and polite. Yes I would recommend
Andrea Bille -
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Fast and very efficient, explained everything so it was understood
William Blundell -
Good customer service
Ciana Souza -
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Thank you so much to TFS loans. They were very helpful and efficient
Gurbakhsish Bhullar -
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Completed in a few hours.
Thomas Hesketh -
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Everything ran smoothly.
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Very helpful and informative. thanks
Terence James Hudson -
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Very helpful in getting my loan
David Cottingham
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efficient customer sevice staff
Donald Douglas Graham -
Was kept up with everything all the way through
Richard Pearson -
Thorough and helpful all throughout the process
Vicky Sthapit -
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Was kept up with everything all the way through
Richard Pearson -
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always helpful and explains things fully and understandable
Yvonne Whymark -
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yes very polite and easy system
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Excellent customer service, would recommend
Artur Syzmonik -
Always helpful and explains things fully and understandable
Yvonne Whymark -
Very informative throughout the process
Denise Houghton -
Yes very polite and easy system
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Quick and easy process with a sameday payout
Artur Syzmonik -
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I as a guarantor found them very polite friendly and helpful
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Polite and efficient- very friendly too!
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Exccu service. Prompt update given to customers.
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Understanding and making sure you are aware of everything
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Very polite and explained proceedure very well
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It was a great process compared to others
Awais Ahmed
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Staff were friendly and communication very good
Trusted Customer

My verdict of TFS Loans
By Jon Edward
Lender performance rating 66.5 out of 100
TFS Loans offer a similar high level of service to many of the other UK based guarantor loan lenders. However, one feature of their service that stands out from the rest is the fact that they offer loans of up to £15,000.
Although you must be a homeowner to fulfil criteria for their higher amounts, this option is not something that is available elsewhere.
They have streamlined their application process by utilising e-signature technology which ensures that both the loan applicants and guarantors can submit all of the essential information online.
Whilst higher APRs have resulted in some negative feedback from customers, the opportunity to access higher amounts than the loans available from competitors ensures that TFS remains one of the most important lenders in the mark.
Loan Description
TFS’s loans range from £1,000 to £15,000, and their repayment periods are from one to five years. See our summary of some of their loans pros and cons:
Pro's 👍
- No set up or upfront fees
- Loans up to £15,000
- Accept CCJs, defaults or missed payments
- Reasonable rates for the guarantor market
Con's 👎
- Guarantor needs to be a UK homeowner
- Early repayment charges can be liable for up to 58 days’ interest
- You need a guarantor
- If you stop making you monthly payment your guarantor will need to pay
The basics ✍️
- You need an income, but TFS will accept both employed and self-employed, and also include additional income from some benefits or pensions
- Guarantor age to be between 18 and 78
- You need to be over 18
- Guarantor needs to have a regular income
- Applicant and guarantor to be UK residents
- Applicant and guarantor need valid UK bank accounts in their own name
- You cannot be bankrupt or in an IVA
If you do not need a loan from £7,500 to £15,000, then why not look at some of our other lenders
TFS Representative Example
Representative example: borrowing £4,000 over 36 months, repaying £178.88 per month. Total repayable £6,439.68. Rate of Interest 20.33% Fixed Flat Rate, Representative 39.9% APR.
Company Information
Company Info
- Co Reg No 06542065
- Website
- Telephone 01268 740 751
- Address Broom House 39-43 London Road, Hadleigh, Benfleet, Essex, SS7 2QL
FCA Registration
- FCA Ref No 633979
- Firm Name TFS Loans Limited
- Principal Place of Business Brook House 26 Brook Road Rayleigh Essex SS6 7X
Data Protection Info
- ico Reg No Z2072584
- Data Controller TFS LOANS LTD
- Address Broom House 39-43 London Road, Hadleigh, Benfleet, Essex, SS7 2QL
- Other Names TFS LOANS LTD