First all you need to do is decide whether you want a cash loan or some Love2Shop cards. Then decide how long you need to repay it, and how much you'd like to borrow. You can do this using our handy calculator.
If you pass the pre-application check, you'll be taken a simple form to fill out your details. Depending on your answers, you may get an immediate decision, or you could be referenced to a member customer care team who will call you back and discuss your options.
Once you've been accepted, one of our lovely agents will personally visit you to complete the paperwork, and issue the loan in cash - there and then! They will also give you contact details, so you can get in touch if you need any future help, or you can log-in to your STF account and manage your payments online.
“I have been using STF for many a year, now and my experience with them has been fantastic. The process of applying for a loan is very easy and fast and the agents at STF has been absolutely fantastic.”
"One of the agents at STF, Betty was incredibly helpful. She went through all the details with us thoroughly in order to make sure we understood everything. "
“STF are very understanding. I’ve been a customer for over 8 years and when I had to go in to hospital I couldn’t meet the repayments for one week. I spoke to STF and they were happy for me make up the repayments the following week once I was out of hospital.”