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Loan Calculator

  • These calculations are just a guide. The interest rate and representative APR shown below may not be the rate you receive. The rate you receive will depend on the amount you want to borrow and will also take into consideration your personal financial circumstances.

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Representative APR

Our best rate

Monthly repayments

Total repayment

Compare our rates

Representative example

You could borrow

For this amount of time years months

With a fixed interest rate of % per annum

Which is equivalent to a representative APR of % APR representative

Meaning your monthly repayments would be

And you’d repay a total of

Our loan for our customers

  • We support thousands of ethical UK initiatives, from clean energy to sports and education.
  • Repay all or part of your loan early. Whenever you want.
  • No arrangement fee.
  • Get a fixed rate throughout the life of your loan, helping you budget confidently.

Apply for our personal loan

To apply, you need to be:

  • 21 or over.
  • UK resident.
  • A Co-operative Bank, smile or Britannia customer for at least 1 month.
  • No applicants have had any County Court Judgments (CCJs) , entered into Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must reside at the same address.

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

Ready to apply?

Please read our terms and conditions first.

The application only takes about 10 minutes if you’ve got all your information to hand.

Once you’ve submitted your application, you have no obligation to purchase a smile loan.

Apply now
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Important documents

pdf

Summary box

Download PDF (126KB)
pdf

How we use your personal information

Download PDF (242KB)
pdf

Repaying your loan early

Download PDF (62KB)
pdf

Terms and conditions

Download PDF (126KB)

We may decline your application based on your circumstances or our lending policy.

Apply for our personal loan

To apply, you need to be:

  • 21 or over.
  • UK resident.
  • A Co-operative Bank, smile or Britannia customer for at least 1 month.
  • No applicants have had any County Court Judgments (CCJs) , entered into Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must reside at the same address.

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

Ready to apply?

Please read our terms and conditions first.

It only takes 10 minutes if you’ve got all your information to hand.

Once you’ve submitted your application, this doesn't mean you're obliged to take out a smile loan.

Apply now

Unanswered questions?

    Help for existing customers

    Lots of useful information about how to make repayments, and what to do if you're struggling to pay back what you've borrowed.

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