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Warning : Late repayment can cause serious money problems. For help go to moneyadviceservice.org.uk

We are an authorised credit broker, and not a lender

 

FAQs

Here are some of the most common questions that our customers ask us, we’ve done our best to answer them for you

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.
 

Our lenders offer loans from £100-£5000

Once approved, most loans are paid into your account on the same day and without any transaction charges. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

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. 
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.

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). *Subject to application being approved by the lender. Not all lenders are able to provide up to £5000

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.

TEL : 02071830427