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Loans applications

Track your application, check your eligibility, or see how our credit checks work.

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Track your application

Once you've completed your application, you can track its status 24/7.

Track application


Thinking of applying for a loan? Here's what you need to know about eligibility, credit checks and how long the application process takes.


To apply you need to be:

  • 21 or over.
  • A UK resident.
  • A smile customer for at least one month.
  • County Court Judgment (CCJ) -free and not bankrupt within the last 6 years.
  • Good with your money, having not missed more than 3 payments on any credit agreement in the last six months.

Approval is subject to status and based on a credit check and assessment of your personal circumstances.

What you need to apply

Before you apply, make sure you've got all of this information to hand:

  • Your income and outgoings each month.
  • Your previous addresses from the last 3 years.
  • The account number and sort code for your main current account.
  • Details about any smile accounts you might have.

How long will the application take?

If you have all the above information to hand, the application should take you about 10 minutes.

We'll typically let you know if your application's successful within 24 hours, if you’ve applied on a business day. On occasion, we may need to refer your application to our specialist team of loan underwriters. If this is the case, we will usually come back with a decision within two business days.

What happens next

We will be in touch within 5 working days with a decision about your loan application.

What to do if you've been refused

If you haven't been approved for a loan, you'll have a note placed on your account to say that your application has been submitted and declined.

If you have been unsuccessful for a loan it can have a negative effect on your credit rating, especially if it happens more than once. If you've been declined, applying for the same loan again will definitely affect your credit rating. Remember, all applications (whether positive or negative) will show up on your credit file.

You can improve your credit score by registering to vote, and ensuring you pay your credit payments on time.

Experian suggests that you also:

  • Keep balance low on credit cards and other 'revolving credit'.
  • Apply for and open new credit accounts only as you need them, rather than just to improve your credit score.
  • Allow time for your credit score to improve.

Calculate how much you could borrow

It only takes a few minutes to use our loan calculator and compare our interest rates.

View our loan