What types of personal loans do you offer?
We have one personal loan that can be used for a range of different purposes. Learn more >
Do you have to be a smile customer to apply for a loan?
Yes, you must have held a smile current account for at least one month to apply for a loan. Learn more >
Can I have a joint loan with another person?
Yes, you can apply for our personal loan with another person. Learn more >
Who can apply for a personal loan?
If you're a UK resident, 21 or over, and meet our eligibility criteria, you could apply for our personal loan. Subject to status. Learn more >
How much could I borrow?
We offer personal loans between £2,000 and £25,000 for existing customers who've held an account with us for one month or more. Learn more >
What happens once I've applied for a smile loan
Once you've submitted your application, we'll review your details and send you a decision about your application by secure message on application tracker. Learn more >
If I get a loan, can I choose the date to make repayments each month?
Yes, you can choose the dates you wish to make the repayments each month. Learn more >
What is the minimum and maximum loan term for a personal loan?
Our personal loans are available for terms between 1-7 years. Learn more >
How long is my loan application valid for?
Your loan agreement is valid for 28 days from the date your application is approved. Learn more >
What will I need for my loan application?
During the loan application process you will be asked for a selection of personal details to help us with your application. Learn more >
When will I receive the funds for my personal loan?
Upon us receiving your signed loan agreement form and standing order mandate, the money will be available within 3 working days (or one working day if transferred to your smile current account). Learn more >
How do I apply for a smile loan?
If you're an existing customer, who has held an account with smile for over one month, you can apply for a loan on our website or by logging into your online banking. Learn more >