8.9% APR typical on loans of £7,500 to £14,950
a low rate from smile

Silence the nagging credit cards and store cards with a smile loan and pay one manageable monthly payment, or get the cash you need to put your plans into action and treat yourself to a new car or maybe some home improvements. Apply now.

You could:

• pay just 8.9% APR typical on loans of £7,500 to £14,950
• repay your loan at your own pace, from 1-7 years
• work out how much for how long with our online loans calculator.
• benefit from a fixed rate for the life of the loan so your repayments will never rise

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In some cases if we are not able to offer you a loan rate at the published rate, we may be able to offer you a loan at a higher rate. The rate you are offered will be based upon both the amount you want to borrow and your credit score.

Credit facilities are subject to status and not available to anyone under 21 years of age. Credit facilities provided by The Co‑operative Bank p.l.c. (Registered No. 990937), of P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP are subject to status.

The Bank reserves the right to decline any application or offer a loan at a rate that differs from those advertised. smile, as part of The Co‑operative Bank, is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Banking Code, is a member of the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110).