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