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Guarantor Loans £100 to £15,000

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Guarantor Loans

  • Apply for £100 - £15000
  • Credit Problems OK
  • Non-Homeowner Guarantors accepted
  • Multiple Loan Options
  • No Fees or Charges§
  • Can be paid within 24 hrs

TFS Loans

TFS Loans

Lender Snapshot

TFS is now a major guarantor lender. Of all lenders it offers the largest guarantor loans. Guarantor needs to be a homeowner. APR falls to 39.9% at £3000+, and 29.9% at £10,000+

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  • Multiple Lenders
  • Get 3-4 loan offers (in principle) typically
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TFS: Loan Summary

Representative APR Loan Term (months) Loan Amount (£) Instant decision E-signature available
69.9% 12 - 36 months 1,000 - 1,500 tick-circle-blue.png tick-circle-blue.png
48.9% 24 - 48 months 2,000 - 2,500 tick-circle-blue.png tick-circle-blue.png
39.9% 24/36 - 60 months 3,000 - 6,000 tick-circle-blue.png tick-circle-blue.png
39.9% 48 - 60 months 6,500 - 10,000 tick-circle-blue.png tick-circle-blue.png
29.9% 48 - 60 months 10,500 - 15,000 tick-circle-blue.png tick-circle-blue.png
Representative Example: Borrow £4000 for 36 months. Repay £178.88 each month. Total interest of £2439.68. Total repayable £6439.68. Interest rate 20.33%. Representative APR 39.9% fixed.

Tenant Guarantor Loans

During June & July 2018 they will be offering guarantor loans where the guarantor can be a tenant / non-homeowner. These are the basic terms:

  • Loans are from £1,000 to £5,000
  • Borrowing period from 12 to 60 months
  • Representative APR 69.9%
  • Minimum net income £1250 per month
  • You cannot be self employed - and you must have been employed for a minimum of 2 years at your current employer.
  • You cannot lived at more than 2 addresses in the last 3 years.

Lender Summary

TFS Loans has been operating in the guarantor loans market since around 2010. They often worked through introducers but having secured extra funding they are now very much in the guarantor loans market on their own terms and with strong ambitions.They are constantly improving their application processes and investing in the technology to ensure that they can deliver a high quality service. TFS Loans are growing rapidly and they have already become one of the major guarantor loan lenders.

In 2013 TFS Loans launched a full online service utilising e-signature technology. This allows applicants (and their guarantors) to submit all the necessary information online and sign the loan documentation. This means a very fast turnaround from initial loan application to loan payout. Their maximum loan value of £15,000 is the largest of all lenders, although they are not able accept non-homeowners as guarantors over £7500.

User Ratings & Reviews
TFS Loans has a rating of 4.0 out of 5 based on 57 ratings & 3 user reviews.

Most recent customer review

TFS Loans ★★★★

I've been round the houses trying to get a loan. No one seemed prepared to help me. I was always getting refused even though I am employed and bringing home a good wage now. Blasted credit scoring. Anyway, TFS have been really sympathetic and helpful. I wasn't sure if TFS would accept my guarantor, but they did and I can relax now.

Review by: Nick S, June 20, 2013

Our opinion

There is virtually no coverage on the internet of TFS Loans. But this should not be a concern. We have visited their offices and seen their operation. They have strong financial backing and are investing heavily in their people, technology and processes to ensure you get a great service. They may not be a big brand at the moment but there is every probability that they will become one.

Regulatory Information
  • TFS Loans Ltd is registered in the UK number 06542065. Registered Address: Broom House, 39-43 London Road, Hadleigh, Benfleet, Essex, SS7 2QL
  • Correspondence Address - Brook House, 26 Brook Road, Rayleigh, Essex, SS6 7XJ
  • Data Protection - registered with the Information Commissioner's Office, number Z2072584
  • Authorised and regulated by the Financial Conduct Authority, FRN 724439

About Guarantor Loans

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When you apply we will tell you which guarantor loan lenders can help you in principle. There is likely to be a choice.

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Online Service

When it comes to getting you your guarantor loan our online service is second to none. In fact has scored 4.6 out of 5 based on 198 ratings & 31 user reviews for its guarantor loans service.

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