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  5. Who can apply for a personal loan?

Who can apply for a personal loan?

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 any County Court Judgments (CCJs).
  • 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. You can find out more information about eligibility by visiting our loan application page

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