Applying for a Smart Loan is easier than you think.
You can apply on line by clicking the link on the home page or by completing the loan form that can be found in download forms. You will need to be an existing member with us and register for the online account access first.
Whether you apply online, in person or via the mail we will need to see proof of your income by way of a bank statement. This needs to be a full month worth of statements and must be from within the last 6 weeks.
Once received we will check over your loan form, assess the affordability and perform a full credit reference agency search.
All loans are then passed to our Credit Committee who will make a final decision.
It is vital that you are open and honest when completing the forms and that you include any relevant information that you feel may aid your application.
While we use credit reference agency information it is only part of the jigsaw and lots of other information is taken into account. It is still the Credit Committee who make the final decision.
For a full wording of our Data Protection Statement please click here.
Important - Your Personal Information
We may use credit reference and fraud prevention agencies to help us make decisions. What we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the [leaflet/section] called:
A Guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies.
By confirming your agreement to proceed you are accepting that we may each use your information in this way.