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  5. How do I apply for a smile loan?

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.

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