Finance Choices
Smile Personal Loans
Smile, it's a beautiful day
A lot of banks bang on about being different, but chest puffing apart, few actually live up to the claim. But at smile, they really can say it with conviction.
For starters, they've got a resident astrologer, Astro Anne (who had a feeling you'd be reading this now). And apparently she has already made her predictions of how the stars will affect you and your money this month.
So if you want to see if you should splash out on that fantastic top you've had your beady eye on, or throw caution to the wind and head off to New York for a weekend of shopping and partying, then check out her horoscope page. And if she's urging a bit of caution, there's no need to panic. Smile have loads of ways to make hard-earned cash stretch further.
The Smile Personal Loan
At Smile you can apply for a personal loan of up to £15,000. To find out how much you can afford to borrow use the handy online calculator which lets you work out how much your monthly payment will cost and also give you an idea of the type of APR you can expect to pay. The typical APR for a Smile personal loan is 6.9%. So whether you fancy treating the family to a well deserved break or are considering splashing out on a new car take a look at the competitive loans rates which are available. You can apply for a loan online and once your application has been submitted you will receive an enrolment number which will allow you to track the progress of your application online. Take a look at Smiles Payment Protection plan which allows you to protect your monthly repayments, allowing you peace of mind that if you should become unable to work you will have one less thing to worry about.
The Smile website is easy to use and offers plenty of useful information to help you decide how much to borrow. Should you have any queries take a look at the comprehensive FAQ section or visit the contact section where you can either email your query using on the online web form or call to speak to an advisor. There is plenty of financial information available on the site as well as a number of tools to help you budget your finances. To find out more about Smile personal loans and discover the range of financial products available click through now.
Summary
Smile offer personal loans of up to £15,000. You can apply online and you should receive a decision about whether your application has been successful in a matter of minutes. To decide how much you can borrow look at the loans calculator. Repayments are fixed meaning that you can easily work out how much you can reasonably afford to borrow. If you require peace of mind why not consider taking out payment protection. In the unfortunate case that you become unable to work through ill health or become unemployed - the fact that your payments are covered will mean one less thing to worry about.
The Smile site is extremely customer friendly and is very easy to use. There is plenty of loans related information as well as details of the other financial products which are offered. Should you have any queries that you can't find the answer to take a look at the 'FAQ' section which answers the most common queries that customers have about personal loans. Alternatively click on contact us and fill in the web box to email an advisor. To discover if you could be eligible for a Smile personal loan click through now.
A lot of banks bang on about being different, but chest puffing apart, few actually live up to the claim. But at smile, they really can say it with conviction.
For starters, they've got a resident astrologer, Astro Anne (who had a feeling you'd be reading this now). And apparently she has already made her predictions of how the stars will affect you and your money this month.
So if you want to see if you should splash out on that fantastic top you've had your beady eye on, or throw caution to the wind and head off to New York for a weekend of shopping and partying, then check out her horoscope page. And if she's urging a bit of caution, there's no need to panic. Smile have loads of ways to make hard-earned cash stretch further.
The Smile Personal Loan
At Smile you can apply for a personal loan of up to £15,000. To find out how much you can afford to borrow use the handy online calculator which lets you work out how much your monthly payment will cost and also give you an idea of the type of APR you can expect to pay. The typical APR for a Smile personal loan is 6.9%. So whether you fancy treating the family to a well deserved break or are considering splashing out on a new car take a look at the competitive loans rates which are available. You can apply for a loan online and once your application has been submitted you will receive an enrolment number which will allow you to track the progress of your application online. Take a look at Smiles Payment Protection plan which allows you to protect your monthly repayments, allowing you peace of mind that if you should become unable to work you will have one less thing to worry about.
The Smile website is easy to use and offers plenty of useful information to help you decide how much to borrow. Should you have any queries take a look at the comprehensive FAQ section or visit the contact section where you can either email your query using on the online web form or call to speak to an advisor. There is plenty of financial information available on the site as well as a number of tools to help you budget your finances. To find out more about Smile personal loans and discover the range of financial products available click through now.
Summary
- start the year afresh with a low rate from smile
- pay just 6.9% APR typical
- repay your loan at your own pace, from 1-7 years
- protect yourself against the unexpected with smile's Payment Protection Plan
- work out how much for how long with the Smile online loans calculator.
Smile offer personal loans of up to £15,000. You can apply online and you should receive a decision about whether your application has been successful in a matter of minutes. To decide how much you can borrow look at the loans calculator. Repayments are fixed meaning that you can easily work out how much you can reasonably afford to borrow. If you require peace of mind why not consider taking out payment protection. In the unfortunate case that you become unable to work through ill health or become unemployed - the fact that your payments are covered will mean one less thing to worry about.
The Smile site is extremely customer friendly and is very easy to use. There is plenty of loans related information as well as details of the other financial products which are offered. Should you have any queries that you can't find the answer to take a look at the 'FAQ' section which answers the most common queries that customers have about personal loans. Alternatively click on contact us and fill in the web box to email an advisor. To discover if you could be eligible for a Smile personal loan click through now.
posted by Barbara Gordon at 10:37 AM
Smile Personal Loans
2 Comments:
I would like to make a complaint. I am never able to access my account details when I want to, every time I phone I am told that there are systems problems. I get a paltry rate of interest on my current account and an exorbitant rate on my credit card. The manager is always in a meeting and my instructions are rarely carried out on time or correctly!!
But before you get worried, I'm talking about a certain high street bank whom I also have an account with. Their service is so shonky they should be wearing masks and stirrups on their boots.
I have had a smile current a/c for over a year now and damn well should have closed my account with the other bank a long time ago!!
But I am now making up for past tardiness and it was closed today. I now also have a smile loan, CC and ISA. Everything works all the time so I rarely need to call but when I do, apart from having to wait for the call to be answered, it goes smoothly. I call up and the issue is resolved, simple.
Smile was not my first choice for the provider of my loan, but unfortunately having just moved house my credit score seemed to fail for the other major providers. When I applied to smile, my application was accepted immediately - perhaps this is because I have my current account and credit card account when them and I was automatically considered a eligable customer.
Unfortunately I ran into a problem during the setup of my loan, the payment date for my repayments had been set automatically, whereas I wanted it to leave my account on a particular date. This change in my application delayed the funds being transferred into my account by about 1 week, they had to cancel the first application and prepare a new one.
Smiles online banking system is fairly user friendly, reliable and nice to use. As I already bank with them, it was really co nvienient to have my loan account together with my other ones.
Unfortunately, the biggest disadvantage of this loan is that it is not flexible, you are not able to increase or decrease payments, and paying the outstanding balance of early means you will have to pay a fee.
I have always found smile to be very helpful, but often find it can take them a couple of days to reply to secure messages online.
If you are not looking for a flexible loan, and are happy with their APR rate then I would fully recommend this product. An additional benefit is that you can sleep easy, knowing that your money is being invested "ethically" as stipulated by the banks ethos. Sweet dreams.
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