Step 1: Apply Online - our short online application is easy and secure.
Step 2: Confirm and review - If accepted, you will need to confirm your details and review the repayments provided by the lender.
Step 3: Money Direct to you - Funds are typically deposited the same day.
How does smart-loans.uk work?
Smart-loans.uk is a broker not a lender, we work with a range of lenders in return for a commission fee. Simply decide how much you want to apply for and fill in the short online form. We'll search for a lender for you, and if approved, a loan agreement will be sent to you online.
How much can I borrow?
Our lenders offer loans from £100 - £5000.
How long does it take to receive funds?
Once approved, most loans are paid into your account on the same day and without any transaction charges. The time it takes for the cash to be received in your account will depend on your bank’s policies and procedures.
What is the criteria for Smart-Loans?
You must be over 18 and receiving a regular income each month, you will need a bank account with a valid debit card, be a UK resident and the lender must be able to prove your identity. This is the basic criteria; however it will vary from lender to lender.
Do you use Credit Reference Agencies?
Smart-Loans.uk will not run a credit check, however some lenders will assess your application in a variety of ways. This may include checking with credit reference and fraud prevention agencies. They will also assess your ability to repay the loan before making a decision on your application.
What if I have problems repaying my Loan?
It is important that before applying for any type of credit you have made sure that you are able to make the repayments on the agreed date. If your circumstances change and you think you may be unable to repay the loan, it is important to speak to the lender straight away so they can discuss the ways in which they can help. If you are experiencing financial problems you can get free advice and support from a number of places, including Step Change Debt Charity, Citizens Advice Bureau & The National Debt Helpline.
Ready to apply? Complete our short secure application form and get an instant decision.