All loans are subject to lenders requirements and approval. Approval may take up to 30 minutes and funds will be deposited the same working day in most cases. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future, also increase total amount of debt, default charges, possible legal proceedings and repossession of property.

† Credit Information Services are provided by William Ellis Sinclair, who may refer you to a third party provider. All providers offer a minimum free 14 day trial, followed by a monthly cost of £10-£30. We are unable to tell you which provider you will be referred to in advance of your application.

We don't charge a fee, but there might be a charge from some lenders within our network. smartloansuk.com does not make lending or credit decisions, we are not a lender - as a broker we match customer's loan applications with lenders in our database depending on the information provided. William Ellis Sinclair is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 618190 with registered address 8a Dunraven Place, Bridgend, CF31 1JD. Licensed by the Information Commissioners Office (registration number ZA033005).