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loans

4.9% APR representative on loans between £7,500 to £14,950 over 1 to 5 years

Loans calculator

Fill in the amount and term boxes or use the sliders to see how much your monthly repayments could be.

I need to borrow  

£

I would like to pay it back over

months


To apply for a smile loan, you must be a UK resident, aged over 21 and have held an account with smile for at least 1 month. Subject to status.

  • Monthly repayment £
  • Total Amount Payable £
  • Representative APR %
  • Fixed Interest rate %

Calculations shown for illustrative purposes only. The APR shown above may not be the rate you will receive. We will offer you a rate based on our assessment of your personal financial circumstances.

Representative example:

4.9% APR representative. Loan amount £10,000 for £187.77 per month over 60 months. Total amount repayable £11,266.20. Rate of interest per annum 4.87% fixed.

To apply, log into online banking and select 'loans' from the list of products under your existing accounts.

Log in and apply
Already applied? Track your application ›

loans for our existing customers

  • 4.9% APR representative on loans between £7,500 and £14,950
  • Spread your payments over 1-5 years
  • Be more comfortable in the knowledge that the rate you pay won't change throughout the term of your loan
  • Loans up to 7 years and for other amounts can be requested

ready to apply for a smile loan?

We've already got your details so there's no need to apply again. Just log into online banking and select 'loans' from the list of products under your existing accounts.

Log in and apply

already applied?

If you've already applied for a smile loan, you can use our application tracker to see where your application's up to.

Application tracker

Important information

Please make sure you read this important information before you purchase this product to ensure that it meets your needs. The useful documents below will provide you with all the details you need to make your decision.


Credit facilities provided by The Co-operative Bank are subject to status and our lending policy.
The Bank reserves the right to decline any application or offer a loan at a rate that differs from those advertised.

The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. is a member of the Council of Mortgage Lenders and subscribes to the Lending Code which is monitored by the Lending Standards Board.