Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible.
Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.
Based on your information we recommend you speak to a personal debt adviser.
They will offer you advice on:
Whether a loan is your best option
Consolidating your debts
Reducing the amount you owe
How to freeze your interest payments
Protecting you from creditors
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Smile Loans
Grab a good buy with our low loan rate, wave goodbye to your cash with someone else.
Smile is a genuinely different bank; from the sustainably-powered pyramid that we work in, to the warmth and concern of our customer service. We'll always be straight with you, about charges, changes and anything that might affect your account. The Guardian and Observer Consumer Finance Awards voted us as having the best overall customer service of a UK bank, for just this reason. Our approach is open, ethical and modern.
We offer personal loans at 6.9% APR typical, competitively low by any standards. So, whether you want a holiday, a new motor, or just a chance to start your year afresh, we can provide you with personal loan tailored to your needs. You can choose to pay off the loan over a period of between 1 and 7 years. Ethically, you can rest easy. Smile is a part of the Co-operative group, and enforces their strict Ethical policy. Clean as well as cheap. If you are not sure how much money you need, or simply want to calculate the possibility, check out our online loan calculator. You can also keep yourself protected against unexpected circumstances with a payment protection plan.
With Smile, a happy wallet will mean a happy heart.
