How do I apply for a smile loan?
There are two ways to apply for a smile personal loan: either through our website or by logging into online banking and applying through our products page.
To apply for a personal loan, you must be:
- A UK resident.
- 21 or over.
- Held a smile current account for at least one month
- Free from having missed 3 or more payments on any credit agreement in the last 6 months.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
Please note, we do not charge any arrangement fees when you apply for a loan.
How will I know if my application has been successful?
We will be in touch to let you know the decision via email and you will also receive confirmation in the post. A decision will be made within 2 working days.