Smile Personal Loan
Full product details for the Smile Personal Loan, including loan details, application criteria, rates, suitability, fee & charges, example costs, facilities, restrictions and incentives.
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Smile Personal Loan Features & Benefits
| Representative Example | The representative APR is 7.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.9% p.a. (fixed) you will repay £243.73 per month & £11,699.04 in total. | |
| Loan Type | Unsecured | |
| Minimum Loan | £2,000 | The minimum advance is £2000. |
| Maximum Loan | £25,000 | The maximum advance is £25000. |
| Minimum Loan Term | 1 year | The minimum loan term is 12 months. |
| Maximum Loan Term | 7 years | The maximum loan term is 84months. |
| Headline Representative APR | 7.9% | 7.9 |
| Headline Representative Loan Amount | £7,500 to £14,950 | |
| Early Repayment Charge | 1 month | The early redemption charge is equivalent of 1 month interest. |
| Deferred Start | 1 month | 1 months |
| Debt Consolidation | yes | Debt consolidation allowed. |
| Express Delivery | no | Express delivery/transfer not available. |
| Credit Rating | good | Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of applicants can be described as having a good credit rating. |
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Compare Smile Personal Loan With These Loans
NatWest Personal Loan
- The loan has 42 days first payment due.
- Customers get 1 year minimum loan period from this Personal Loan.
- This loan offers a max arrangement fee of £0.
- Minimum arrangement fee of £0 is offered with Personal Loan.
- Representative Example: The representative APR is 8.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.9% p.a. (fixed) you will repay £246.77 per month & £11,844.96 in total.
Post Office Personal Loan
- Enjoy a minimum arrangement fee of £0 from this loan.
- 1 mth deferred start is offered with Personal Loan.
- New customers get £7,500 to £14,999 headline representative loan amount from this loan.
- Get £25,000 max loan from Post Office.
- Minimum loan term of 1 year is available with this loan.
- Representative Example: The representative APR is 7.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.4% p.a. (fixed) you will repay £240.21 per month & £11,530.08 in total.
Zopa Personal Loan
- New customers will take advantage of headline representative APR of 6.1 percent.
- £1,000 minimum loan is available with Personal Loan.
- The Personal Loan has 3 years minimum loan duration.
- Maximum loan term of 5 yrs is available with the loan.
- £1,400 to £1,499 promotional representative loan amount is offered to you.
- Get a deferred start of 1 mth.
- Representative Example: The representative APR is 6.84% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.84% p.a. (fixed)Arrangement fee £130,
Zopa Young (20-25)
- You get £1,000 minimum loan from this loan.
- Get an introductory representative APR of 9.16%.
- Get max loan term of 5 yrs.
- This Young (20-25) has a minimum loan term of 3 years.
- Representative Example: The representative APR is 10.77% (fixed) so if you borrow £10,000 over 4 years at a rate of 10.77% p.a. (fixed)Arrangement fee £190,
Ulster Bank Ufirst (Small)
- 9.4% headline representative APR.
- Applicants have the benefit of 0 percent arrangement fee from the Ufirst (Small).
- Customers can get £6,999 maximum loan.
- Ulster Bank gives minimum arrangement fee of £0.
- Minimum loan of £1,000 is available.
- Representative Example: The representative APR is 12.6% (fixed) so if you borrow £5,000 over 2 years at a rate of 12.6% p.a. (fixed) you will repay £235.33 per month & £5,647.92 in total.
Barclays Barclayloan
- £12,100 to £15,000 headline representative loan amount is offered.
- Get 1 month deferred start.
- Applicants benefit from 13.4% headline representative APR from the Barclayloan.
- 0 percent arrangement fee.
- Applicants get £1,000 minimum loan from the loan.
- Arrangement fee of £0.
- Representative Example: The representative APR is 21.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 21.9% p.a. (fixed) you will repay £301.91 per month & £14,491.68 in total.
Santander Personal Loan
- Applicants get £7,500 to £10,000 promotional representative loan amount from this Personal Loan.
- Arrangement fee of £0 is offered with this loan.
- Customers benefit from £0 minimum arrangement fee from the Personal Loan.
- The loan has a 0 percent arrangement fee.
- Get £20,000 max loan.
- Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £242.38 per month & £11,634.24 in total.
