www.smart-loans.uk
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46.32.240.47
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Submitted URL: https://www.gboilshop.co.uk/i/b889cc74c18c064d06c5e139e0321c50
Effective URL: https://www.smart-loans.uk/quote/sendform/?uuid=9ECC41FCCE9B11EB904A42010A5C511B
Submission: On March 02 via manual from IN — Scanned from GB
Effective URL: https://www.smart-loans.uk/quote/sendform/?uuid=9ECC41FCCE9B11EB904A42010A5C511B
Submission: On March 02 via manual from IN — Scanned from GB
Form analysis 4 forms found in the DOM
<form id="omReApplyPage" style="display:none;">
<link href="https://fonts.googleapis.com/css?family=Acme" rel="stylesheet"> <span id="omReApplyGetHead"></span>
<section id="omReApplyGreenRow">>> FAST TRACK APPLICATION >></section>
<section id="omReApplyOptionContent">
<div class="omReApplyBlueBg">
<h3>Hi <span class="omReApplyName"></span>, we could help you borrow £100-£5000</h3>
<p>Please confirm the information below so that we can process your application.</p>
</div>
<div class="omReApplymdl">
<div class="omReApplyClmns omReApplyClmnsAmount">
<div class="omReApplyLoanClmn100 omReApplyLoanCenter"> <label>Loan Amount £100 - £5,000:</label> <select id="omReApplyAmount" name="loanAmount">
<option selected="" disabled="" value="">Please select</option>
<option value="100">£100</option>
<option value="200">£200</option>
<option value="300">£300</option>
<option value="400">£400</option>
<option value="500">£500</option>
<option value="600">£600</option>
<option value="700">£700</option>
<option value="800">£800</option>
<option value="900">£900</option>
<option value="1000">£1000</option>
<option value="1100">£1100</option>
<option value="1200">£1200</option>
<option value="1300">£1300</option>
<option value="1400">£1400</option>
<option value="1500">£1500</option>
<option value="1600">£1600</option>
<option value="1700">£1700</option>
<option value="1800">£1800</option>
<option value="1900">£1900</option>
<option value="2000">£2000</option>
<option value="2100">£2100</option>
<option value="2200">£2200</option>
<option value="2300">£2300</option>
<option value="2400">£2400</option>
<option value="2500">£2500</option>
<option value="3000">£3000</option>
<option value="3500">£3500</option>
<option value="4000">£4000</option>
<option value="4500">£4500</option>
<option value="5000">£5000 and more</option>
</select> <span class="omHelp-block"></span> </div>
</div>
<div class="omReApplyLoanConfirm" data-field-container="dob">
<div class="omReApplyLoanConfirmHeader">Verify your date of birth</div>
<div class="omReApplyClmns">
<div class="omReApplyLoanClmn33"> <select id="omReApplyDobDay" name="dobDay">
<option selected="" disabled="" value="">Day</option>
<option value="01">01</option>
<option value="02">02</option>
<option value="03">03</option>
<option value="04">04</option>
<option value="05">05</option>
<option value="06">06</option>
<option value="07">07</option>
<option value="08">08</option>
<option value="09">09</option>
<option value="10">10</option>
<option value="11">11</option>
<option value="12">12</option>
<option value="13">13</option>
<option value="14">14</option>
<option value="15">15</option>
<option value="16">16</option>
<option value="17">17</option>
<option value="18">18</option>
<option value="19">19</option>
<option value="20">20</option>
<option value="21">21</option>
<option value="22">22</option>
<option value="23">23</option>
<option value="24">24</option>
<option value="25">25</option>
<option value="26">26</option>
<option value="27">27</option>
<option value="28">28</option>
<option value="29">29</option>
<option value="30">30</option>
<option value="31">31</option>
</select> </div>
<div class="omReApplyLoanClmn33"> <select id="omReApplyDobMonth" name="dobMonth">
<option selected="" disabled="" value="">Month</option>
<option value="01">Jan</option>
<option value="02">Feb</option>
<option value="03">Mar</option>
<option value="04">Apr</option>
<option value="05">May</option>
<option value="06">Jun</option>
<option value="07">Jul</option>
<option value="08">Aug</option>
<option value="09">Sep</option>
<option value="10">Oct</option>
<option value="11">Nov</option>
<option value="12">Dec</option>
</select> </div>
<div class="omReApplyLoanClmn33"> <select id="omReApplyDobYear" name="dobYear">
<option selected="" disabled="">Year</option>
</select> </div> <input type="hidden" id="omReaplyDob" name="dob">
</div> <span class="omHelp-block" data-message="dob"></span>
</div>
<div class="omReApplyClmns">
<div class="omReApplyLoanClmn50"> <input type="text" id="omReaplyZip" name="postCode" placeholder="Postcode"> <span class="omHelp-block"></span> </div>
<div class="omReApplyLoanClmn50"> <input type="tel" id="omReaplyPhone" name="cellPhone" placeholder="Mobile Number"> <span class="omHelp-block"></span> </div>
</div>
<div class="omReApplyConsent" data-field-container="privacyTerms">
<div class="omReApplyConsentContainer"> <label class="omReApplyConsentCheckbox"> <input name="privacyTerms" type="checkbox" value="1"> </label>
<p class="omQ-privacy-text" data-customizer="privacyText"> You agree to our <a href="https://cp.t.uk/docs/public/get?id=3" class="doc_link terms_link" data-customizer="termsLink">Terms of Use</a> and
<a href="https://cp.t.uk/docs/public/get?id=1" class="doc_link privacy_link" data-customizer="privacyLink">Privacy Notice</a>, which explains how your personal information may be used. You confirm you provided accurate financial
information and considered potential future income and outgoings in determining your ability to repay. You also understand that a lender may check your credit with a credit reference agency. </p>
</div> <span class="omHelp-block" data-message="privacyTerms"></span>
</div> <button id="omSubmitReapplyBtn" class="omReapplyButton" type="submit" data-role="submit_reapply_form">Confirm My Application</button>
</div>
</section>
</form><form id="omInterstitial" class="omInterstitial" style="display: none">
<link rel="preconnect" href="https://fonts.googleapis.com">
<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin="">
<link href="https://fonts.googleapis.com/css2?family=Oxygen:wght@400;700&family=Patua+One&display=swap" rel="stylesheet">
<div id="omInterstitialContent" class="omInterstitial-content">
<div class="omInterstitial-top omInterstitial-item">We were unable to match you with a lender for the requested amount</div>
<div class="omInterstitial-header omInterstitial-item">
<div class="omInterstitial-header__title">Alternative Option!</div>
<div class="omInterstitial-header__description">To apply for a short term loan of up to £2500, please select a new loan amount below and click continue.*</div>
</div>
<div class="omInterstitial-item"> <select id="omInterstitialLoanAmount" class="omInterstitial-field omInterstitial-field_select" name="loanAmount">
<option selected="" disabled="" value="">Please Select</option>
<option value="100">£100</option>
<option value="200">£200</option>
<option value="300">£300</option>
<option value="400">£400</option>
<option value="500">£500</option>
<option value="600">£600</option>
<option value="700">£700</option>
<option value="800">£800</option>
<option value="900">£900</option>
<option value="1000">£1000</option>
<option value="1100">£1100</option>
<option value="1200">£1200</option>
<option value="1300">£1300</option>
<option value="1400">£1400</option>
<option value="1500">£1500</option>
<option value="1600">£1600</option>
<option value="1700">£1700</option>
<option value="1800">£1800</option>
<option value="1900">£1900</option>
<option value="2000">£2000</option>
<option value="2100">£2100</option>
<option value="2200">£2200</option>
<option value="2300">£2300</option>
<option value="2400">£2400</option>
<option value="2500">£2500</option>
</select><span class="omHelp-block"></span> </div>
<div class="omInterstitial-item"> <button class="omInterstitial-button" type="submit" data-role="submit_interstitial_form">Click to Continue</button> </div>
<div class="omInterstitial-item">*Subject to application being approved by the lender. Not all lenders are able to provide up to £2500 and the loan amount, interest rates, and repayment terms will vary by lender.</div>
<div class="omInterstitial-bottom"> <strong>Legal Disclaimer:</strong> The operator of this website is not a lender and does not make credit decisions. We match customer applications with lenders in our network based on the information provided,
in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to
provide amounts up to £2500. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a
condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates. </div>
</div>
</form><form class="omForm" id="omForm" style="display: block; opacity: 1;">
<div class="omForm-steps" data-form="uk_simple">
<div id="omForm-step-1" class="omForm-step" style="opacity: 1; display: block;">
<div class="omForm-step__title">Start <b>your loan</b> quote</div>
<div class="omForm-step__content">
<div class="omForm-row omForm-row-center">
<div class="omForm-field-wrapper omForm-col-10 omForm-col-md-4" data-field-container="loanAmount">
<div class="omForm-loanAmount-container">
<div class="omForm-loanAmount-control omForm-loanAmount-control_minus" data-minus="loanAmount">-</div> <label class="omForm-loanAmount-field"> <input class="omInputText" id="loanAmount" name="loanAmount" value="" type="number"> </label>
<div class="omForm-loanAmount-control omForm-loanAmount-control_plus" data-plus="loanAmount">+</div>
</div> <span class="omHelp-block"></span>
</div>
<div class="omForm-field-wrapper omForm-col-10 omForm-col-md-5"> <select class="omInputText omInputText_large" id="loanDurationMonths" name="loanDurationMonths">
<option value="" disabled="">Please select</option>
<option value="1">1 month</option>
<option value="2">2 months</option>
<option value="3">3 months</option>
<option value="4">4 months</option>
<option value="5">5 months</option>
<option value="6">6 months</option>
<option value="9">9 months</option>
<option value="12">12 months</option>
<option value="15">15 months</option>
<option value="18">18 months</option>
<option value="24">24 months</option>
<option value="36">36 months</option>
</select><span class="omHelp-block"></span> </div>
</div>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step2"> Next </button> </div>
</div>
<div id="omForm-step-2" class="omForm-step">
<div class="omForm-step__title">Pupose Of Loan</div>
<div class="omForm-step__content" data-field-container="loanPurpose">
<div class="omForm-row omForm-row-center">
<div class="omForm-col-12 omForm-col-md-9">
<div class="omForm-loanPurpose omForm-row">
<div class="omForm-loanPurpose__item omForm-col-12 omForm-col-md-6 omForm-col-lg-4"> <label class="omForm-loanPurpose__control"> <span class="omForm-loanPurpose__control-icon"> <svg width="24" height="24" viewBox="0 0 24 24"
fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<path
d="M19.125 16.7143H16.8909C16.5654 16.7143 16.3016 16.9781 16.3016 17.3036V19.8006H10.2857V13.5714H14.4107C14.7361 13.5714 15 13.3076 15 12.9821V11.0179C15 10.6924 14.7361 10.4286 14.4107 10.4286H10.2857V7.30752C10.2857 5.72303 11.4919 4.50419 13.3201 4.50419C14.4819 4.50419 15.5731 5.06917 16.1513 5.42981C16.4042 5.58759 16.7351 5.53053 16.9217 5.29796L18.3209 3.55401C18.5287 3.29492 18.4819 2.91538 18.2168 2.71521C17.4123 2.10786 15.6176 1 13.2288 1C9.20663 1 6.35714 3.59001 6.35714 7.18558V10.4286H4.98214C4.65671 10.4286 4.39286 10.6924 4.39286 11.0179V12.9821C4.39286 13.3076 4.65671 13.5714 4.98214 13.5714H6.35714V19.8571H4.58929C4.26385 19.8571 4 20.121 4 20.4464V22.4107C4 22.7361 4.26385 23 4.58929 23H19.125C19.4504 23 19.7143 22.7361 19.7143 22.4107V17.3036C19.7143 16.9781 19.4504 16.7143 19.125 16.7143Z">
</path>
</svg> </span> <span class="omForm-loanPurpose__control-text">Unexpected Expences</span> <input class="omForm-loanPurpose__control-input" type="radio" name="loanPurpose" value="emergency_cash"> </label> </div>
<div class="omForm-loanPurpose__item omForm-col-12 omForm-col-md-6 omForm-col-lg-4"> <label class="omForm-loanPurpose__control"> <span class="omForm-loanPurpose__control-icon"> <svg width="24" height="24" viewBox="0 0 24 24"
fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<path
d="M1 19.1786C1 20.1842 1.82118 21 2.83333 21H21.1667C22.1788 21 23 20.1842 23 19.1786V12.5H1V19.1786ZM8.33333 16.5982C8.33333 16.3478 8.53958 16.1429 8.79167 16.1429H13.9861C14.2382 16.1429 14.4444 16.3478 14.4444 16.5982V18.1161C14.4444 18.3665 14.2382 18.5714 13.9861 18.5714H8.79167C8.53958 18.5714 8.33333 18.3665 8.33333 18.1161V16.5982ZM3.44444 16.5982C3.44444 16.3478 3.65069 16.1429 3.90278 16.1429H6.65278C6.90486 16.1429 7.11111 16.3478 7.11111 16.5982V18.1161C7.11111 18.3665 6.90486 18.5714 6.65278 18.5714H3.90278C3.65069 18.5714 3.44444 18.3665 3.44444 18.1161V16.5982ZM23 5.82143V7.64286H1V5.82143C1 4.81585 1.82118 4 2.83333 4H21.1667C22.1788 4 23 4.81585 23 5.82143Z">
</path>
</svg> </span> <span class="omForm-loanPurpose__control-text">Debt Consolidation</span> <input class="omForm-loanPurpose__control-input" type="radio" name="loanPurpose" value="debt_consolidation"> </label> </div>
<div class="omForm-loanPurpose__item omForm-col-12 omForm-col-md-6 omForm-col-lg-4"> <label class="omForm-loanPurpose__control"> <span class="omForm-loanPurpose__control-icon"> <svg width="24" height="24" viewBox="0 0 24 24"
fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<path
d="M19.3333 9.33337H14.9681L10.9538 2.30785C10.9003 2.21431 10.823 2.13658 10.7297 2.08252C10.6365 2.02846 10.5307 1.99999 10.4229 2H7.92115C7.51514 2 7.22218 2.38844 7.33371 2.77879L9.20639 9.33337H5.2777L3.62769 7.13336C3.51234 6.97943 3.33092 6.88891 3.1388 6.88891H1.61139C1.21379 6.88891 0.921982 7.26245 1.01861 7.64822L2.22213 11.7778L1.01861 15.9074C0.921982 16.2932 1.21379 16.6667 1.61139 16.6667H3.1388C3.3313 16.6667 3.51234 16.5762 3.62769 16.4223L5.2777 14.2223H9.20639L7.33371 20.7765C7.22218 21.1668 7.51514 21.5556 7.92115 21.5556H10.4229C10.6421 21.5556 10.8446 21.438 10.9534 21.2478L14.9681 14.2223H19.3333C20.6835 14.2223 23 13.128 23 11.7778C23 10.4276 20.6835 9.33337 19.3333 9.33337Z">
</path>
</svg> </span> <span class="omForm-loanPurpose__control-text">Holiday</span> <input class="omForm-loanPurpose__control-input" type="radio" name="loanPurpose" value="special_occasion"> </label> </div>
<div class="omForm-loanPurpose__item omForm-col-12 omForm-col-md-6 omForm-col-lg-4"> <label class="omForm-loanPurpose__control"> <span class="omForm-loanPurpose__control-icon"> <svg width="24" height="24" viewBox="0 0 24 24"
fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<path
d="M16.3214 15.1429H23V2.17857C23 1.52545 22.4746 1 21.8214 1H2.17857C1.52545 1 1 1.52545 1 2.17857V21.8214C1 22.4746 1.52545 23 2.17857 23H15.1429V16.3214C15.1429 15.6732 15.6732 15.1429 16.3214 15.1429ZM22.6562 17.8437L17.8437 22.6562C17.6228 22.8772 17.3232 23 17.0089 23H16.7143V16.7143H23V17.0138C23 17.3232 22.8772 17.6228 22.6562 17.8437Z">
</path>
</svg> </span> <span class="omForm-loanPurpose__control-text">Pay Bills</span> <input class="omForm-loanPurpose__control-input" type="radio" name="loanPurpose" value="utility_bill"> </label> </div>
<div class="omForm-loanPurpose__item omForm-col-12 omForm-col-md-6 omForm-col-lg-4"> <label class="omForm-loanPurpose__control"> <span class="omForm-loanPurpose__control-icon"> <svg width="24" height="24" viewBox="0 0 24 24"
fill="currentColor" xmlns="http://www.w3.org/2000/svg">
<path
d="M22 17.5C20.7491 17.5 20.6045 16.125 18.6741 16.125C16.7353 16.125 16.5837 17.5 15.3371 17.5C14.1007 17.5 13.9329 16.125 12 16.125C10.0874 16.125 9.89205 17.5 8.67411 17.5C7.4175 17.5 7.28116 16.125 5.33705 16.125C3.39299 16.125 3.25433 17.5 2 17.5V14.0625C2 12.9238 2.95982 12 4.14286 12H4.85714V5.8125H7.71429V12H10.5714V5.8125H13.4286V12H16.2857V5.8125H19.1429V12H19.8571C21.0402 12 22 12.9238 22 14.0625V17.5ZM22 23H2V18.875C3.93554 18.875 4.08781 17.5 5.33705 17.5C6.58487 17.5 6.73228 18.875 8.67411 18.875C10.5867 18.875 10.782 17.5 12 17.5C13.2566 17.5 13.3929 18.875 15.3371 18.875C17.2726 18.875 17.4249 17.5 18.6741 17.5C19.9013 17.5 20.0693 18.875 22 18.875V23ZM6.28571 5.125C5.4933 5.125 4.85714 4.5127 4.85714 3.75C4.85714 2.41797 6.28571 2.76172 6.28571 1C6.82143 1 7.71429 2.26758 7.71429 3.40625C7.71429 4.54492 7.07813 5.125 6.28571 5.125ZM12 5.125C11.2076 5.125 10.5714 4.5127 10.5714 3.75C10.5714 2.41797 12 2.76172 12 1C12.5357 1 13.4286 2.26758 13.4286 3.40625C13.4286 4.54492 12.7924 5.125 12 5.125ZM17.7143 5.125C16.9219 5.125 16.2857 4.5127 16.2857 3.75C16.2857 2.41797 17.7143 2.76172 17.7143 1C18.25 1 19.1429 2.26758 19.1429 3.40625C19.1429 4.54492 18.5067 5.125 17.7143 5.125Z">
</path>
</svg> </span> <span class="omForm-loanPurpose__control-text">Other Purposes</span> <input class="omForm-loanPurpose__control-input" type="radio" name="loanPurpose" value="other"> </label> </div>
</div>
</div>
</div> <span class="omHelp-block text-center" data-message="loanPurpose"></span>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-prev" data-role="back_to_step1"> Back </button> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step3"> Next </button>
</div>
</div>
<div id="omForm-step-3" class="omForm-step">
<div class="omForm-step__title">A Few Details About You</div>
<div class="omForm-step__subtitle"> We use these details to confirm that it is you making the application and that we can contact you once your application is submitted. </div>
<div class="omForm-step__content">
<div class="omForm-row omForm-row-center">
<div class="omForm-col-12 omForm-col-md-10">
<div class="omForm-row">
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="title">Title</label> <select class="omInputText" id="title" name="title">
<option selected="" disabled="" value="">Please select</option>
<option value="mr">Mr</option>
<option value="ms">Ms</option>
<option value="mrs">Mrs</option>
<option value="miss">Miss</option>
</select> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="firstName">First Name</label> <input type="text" class="omInputText" id="firstName" name="firstName" placeholder="First name"> <span
class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="lastName">Last Name</label> <input type="text" class="omInputText" id="lastName" name="lastName" placeholder="Last name"> <span
class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label">Date Of Birth</label>
<div class="omForm-row omForm-row-small">
<div class="omForm-col-4"> <select class="omInputText" id="dobDay" name="dobDay">
<option disabled="" selected="">DD</option>
<option value="01">01</option>
<option value="02">02</option>
<option value="03">03</option>
<option value="04">04</option>
<option value="05">05</option>
<option value="06">06</option>
<option value="07">07</option>
<option value="08">08</option>
<option value="09">09</option>
<option value="10">10</option>
<option value="11">11</option>
<option value="12">12</option>
<option value="13">13</option>
<option value="14">14</option>
<option value="15">15</option>
<option value="16">16</option>
<option value="17">17</option>
<option value="18">18</option>
<option value="19">19</option>
<option value="20">20</option>
<option value="21">21</option>
<option value="22">22</option>
<option value="23">23</option>
<option value="24">24</option>
<option value="25">25</option>
<option value="26">26</option>
<option value="27">27</option>
<option value="28">28</option>
<option value="29">29</option>
<option value="30">30</option>
<option value="31">31</option>
</select> </div>
<div class="omForm-col-4"> <select class="omInputText" id="dobMonth" name="dobMonth">
<option disabled="" selected="">MM</option>
<option value="01">Jan</option>
<option value="02">Feb</option>
<option value="03">Mar</option>
<option value="04">Apr</option>
<option value="05">May</option>
<option value="06">Jun</option>
<option value="07">Jul</option>
<option value="08">Aug</option>
<option value="09">Sep</option>
<option value="10">Oct</option>
<option value="11">Nov</option>
<option value="12">Dec</option>
</select> </div>
<div class="omForm-col-4"> <select class="omInputText" id="dobYear" name="dobYear">
<option value="" disabled="">YYYY</option>
<option value="2004">2004</option>
<option value="2003">2003</option>
<option value="2002">2002</option>
<option value="2001">2001</option>
<option value="2000">2000</option>
<option value="1999">1999</option>
<option value="1998">1998</option>
<option value="1997">1997</option>
<option value="1996">1996</option>
<option value="1995">1995</option>
<option value="1994">1994</option>
<option value="1993">1993</option>
<option value="1992">1992</option>
<option value="1991">1991</option>
<option value="1990">1990</option>
<option value="1989">1989</option>
<option value="1988">1988</option>
<option value="1987">1987</option>
<option value="1986">1986</option>
<option value="1985">1985</option>
<option value="1984">1984</option>
<option value="1983">1983</option>
<option value="1982">1982</option>
<option value="1981">1981</option>
<option value="1980">1980</option>
<option value="1979">1979</option>
<option value="1978">1978</option>
<option value="1977">1977</option>
<option value="1976">1976</option>
<option value="1975">1975</option>
<option value="1974">1974</option>
<option value="1973">1973</option>
<option value="1972">1972</option>
<option value="1971">1971</option>
<option value="1970">1970</option>
<option value="1969">1969</option>
<option value="1968">1968</option>
<option value="1967">1967</option>
<option value="1966">1966</option>
<option value="1965">1965</option>
<option value="1964">1964</option>
<option value="1963">1963</option>
<option value="1962">1962</option>
<option value="1961">1961</option>
<option value="1960">1960</option>
<option value="1959">1959</option>
<option value="1958">1958</option>
<option value="1957">1957</option>
<option value="1956">1956</option>
<option value="1955">1955</option>
<option value="1954">1954</option>
<option value="1953">1953</option>
<option value="1952">1952</option>
<option value="1951">1951</option>
<option value="1950">1950</option>
<option value="1949">1949</option>
<option value="1948">1948</option>
<option value="1947">1947</option>
<option value="1946">1946</option>
<option value="1945">1945</option>
<option value="1944">1944</option>
<option value="1943">1943</option>
<option value="1942">1942</option>
<option value="1941">1941</option>
<option value="1940">1940</option>
<option value="1939">1939</option>
<option value="1938">1938</option>
<option value="1937">1937</option>
<option value="1936">1936</option>
<option value="1935">1935</option>
<option value="1934">1934</option>
<option value="1933">1933</option>
<option value="1932">1932</option>
<option value="1931">1931</option>
<option value="1930">1930</option>
<option value="1929">1929</option>
<option value="1928">1928</option>
<option value="1927">1927</option>
</select> </div>
</div> <input class="omInputText" type="hidden" id="dob" name="dob"> <span class="omHelp-block"></span>
</div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="maritalStatus">Marital status</label> <select class="omInputText" id="maritalStatus" name="maritalStatus">
<option selected="" disabled="" value="">Please select</option>
<option value="single">Single</option>
<option value="married">Married</option>
<option value="living_with_partner">Living with Partner</option>
<option value="separated">Separated</option>
<option value="divorced">Divorced</option>
<option value="widowed">Widowed</option>
<option value="other">Other</option>
</select> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="numberOfDependents">Number of Dependants</label> <select class="omInputText" id="numberOfDependents" name="numberOfDependents">
<option selected="" disabled="" value="">Please select</option>
<option value="0">0</option>
<option value="1">1</option>
<option value="2">2</option>
<option value="3">3</option>
<option value="4">4</option>
<option value="5">5+</option>
</select> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4 omForm-offset-md-4"> <label class="omForm-field-label" for="numberOfDependents">Your Email</label> <input type="email" class="omInputText" id="email" name="email"
placeholder="Email"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="cellPhone">Mobile Phone Number</label> <input type="tel" class="omInputText" id="cellPhone" name="cellPhone"> <span
class="omHelp-block"></span> </div>
</div>
</div>
</div>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-prev" data-role="back_to_step2"> Back </button> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step4"> Next </button>
</div>
</div>
<div id="omForm-step-4" class="omForm-step">
<div class="omForm-step__title">Where do you live?</div>
<div class="omForm-step__subtitle"> You need to have a permanent residential address in the UK to be approved for a loan </div>
<div class="omForm-step__content">
<div class="omForm-row omForm-row-center">
<div class="omForm-col-12 omForm-col-md-8 omForm-col-lg-7">
<div class="omForm-row">
<div class="omForm-field-wrapper omForm-col-12"> <label class="omForm-field-label" for="postCode">Post Code</label>
<div class="omFieldFind" id="parse_address" data-field-container="postCode">
<div class="omForm-row omForm-row-no-gutters">
<div class="omForm-col-7"> <input type="text" class="omInputText" id="postCode" name="postCode" placeholder="Postcode"> </div>
<div class="omForm-col-5"> <button id="find_address" type="button" tabindex="-1" disabled="">Find Address</button> </div>
</div> <span class="omHelp-block" data-message="postCode"></span>
</div>
</div>
<div class="omForm-field-wrapper omForm-col-12" data-field-container="address" style="display: none"> <label class="omForm-field-label" for="address">Address</label> <select class="omInputText" id="address" name="address">
<option selected="" disabled="" value="">Please select</option>
</select> <span class="omHelp-block"></span> </div> <!-- Field -->
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="houseNumber">House Name/Number</label> <input type="text" class="omInputText" id="houseNumber" name="houseNumber"
placeholder="House Number"> <span class="omHelp-block"></span> </div> <!-- Field -->
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="street">Street</label> <input type="text" class="omInputText" id="street" name="street" placeholder="Street"> <span
class="omHelp-block"></span> </div> <!-- Field -->
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="city">Town</label> <input type="text" class="omInputText" id="city" name="city" placeholder="Town"> <span
class="omHelp-block"></span> </div> <!-- Field -->
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="county">County</label> <input type="text" class="omInputText" id="county" name="county" placeholder="County"> <span
class="omHelp-block"></span> </div>
</div>
</div>
</div>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-prev" data-role="back_to_step3"> Back </button> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step5"> Next </button>
</div>
</div>
<div id="omForm-step-5" class="omForm-step">
<div class="omForm-step__title">About Your Home</div>
<div class="omForm-step__subtitle"> You need to have a permanent residential address in the UK to be approved for a loan </div>
<div class="omForm-step__content">
<div class="omForm-row">
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4 omForm-offset-md-2"> <label class="omForm-field-label" for="residentialStatus">Home Status</label> <select class="omInputText" id="residentialStatus" name="residentialStatus">
<option selected="" disabled="" value="">Please select</option>
<option value="tenant">Tenant</option>
<option value="council_tenant">Council Tenant</option>
<option value="owner">Owner</option>
<option value="living_with_parents">Living With Parents</option>
<option value="other">Other</option>
</select> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="monthsAtAddress">Time at Address</label> <select class="omInputText" name="monthsAtAddress" id="monthsAtAddress">
<option selected="" disabled="" value="">Please select</option>
<option value="3">< 3 Months</option>
<option value="6">4 - 6 Months</option>
<option value="8">7 - 9 Months</option>
<option value="11">10 - 12 Months</option>
<option value="16">1 - 2 Years</option>
<option value="30">2 - 3 Years</option>
<option value="72">4 - 8 Years</option>
<option value="120">Over 8 Years</option>
</select> <span class="omHelp-block"></span> </div>
</div>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-prev" data-role="back_to_step4"> Back </button> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step6"> Next </button>
</div>
</div>
<div id="omForm-step-6" class="omForm-step">
<div class="omForm-step__title">About Your Employment</div>
<div class="omForm-step__subtitle"> How do you get your regular income? Salary, pension, benefits or student grant? </div>
<div class="omForm-step__content">
<div class="omForm-row omForm-row-center">
<div class="omForm-col-12 omForm-col-md-8">
<div class="omForm-row">
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6 omForm-offset-md-3"> <label class="omForm-field-label" for="incomeType">Employment Type</label> <select class="omInputText" id="incomeType" name="incomeType">
<option selected="" disabled="" value="">Please select</option>
<option value="full_time">Full Time Employment</option>
<option value="part_time">Part Time Employment</option>
<option value="temporary_employment">Temporary Employment</option>
<option value="self_employed">Self Employed</option>
<option value="unemployed">Unemployed</option>
<option value="pension">Pension</option>
<option value="disability_benefit">Disability Benefits</option>
<option value="student">Student</option>
</select> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="workIndustry">Employers Industry</label> <select class="omInputText" id="workIndustry" name="workIndustry">
<option selected="" disabled="" value="">Please select</option>
<option value="accountancy">Accountancy</option>
<option value="administration_secretarial">Administration/Secretarial</option>
<option value="advertising_media">Advertising/Media</option>
<option value="business_consultancy">Business Consultancy</option>
<option value="call_centre_operations">Call Centre Operations</option>
<option value="cleaning_services">Cleaning Services</option>
<option value="computer_services">Computer Services</option>
<option value="construction">Construction</option>
<option value="driver">Driver</option>
<option value="education">Education</option>
<option value="electricity_gas_water">Electricity/Gas/Water</option>
<option value="finance">Finance</option>
<option value="health">Health</option>
<option value="hotels_restaurants">Hotels/Restaurants</option>
<option value="insurance">Insurance</option>
<option value="labour">Labour</option>
<option value="legal_services">Legal Services</option>
<option value="leisure_culture">Leisure/Culture</option>
<option value="manager_mid_level">Manager mid level</option>
<option value="manager_senior_level">Manager senior level</option>
<option value="manufacturing">Manufacturing</option>
<option value="military">Military</option>
<option value="mining_quarrying">Mining/Quarrying</option>
<option value="professional">Professional</option>
<option value="public_administration">Public Administration</option>
<option value="publishing">Publishing</option>
<option value="real_estate_property">Real Estate/Property</option>
<option value="research_development">Research/Development</option>
<option value="retail">Retail</option>
<option value="sales_and_customer_service">Sales and Customer Service</option>
<option value="skilled_trade">Skilled trade</option>
<option value="telecoms_internet">Telecoms/Internet</option>
<option value="transportation">Transportation</option>
<option value="other">Other</option>
</select> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="workCompanyName">Employers Name</label> <input type="text" class="omInputText" name="workCompanyName" id="workCompanyName"> <span
class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="workPosition">Job Title</label> <input type="text" class="omInputText" name="workPosition" id="workPosition"> <span
class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6"> <label class="omForm-field-label" for="workTimeAtEmployer">Time in Job</label> <select class="omInputText" id="workTimeAtEmployer" name="workTimeAtEmployer">
<option selected="" disabled="" value="">Please select</option>
<option value="3">< 3 Months</option>
<option value="6">4 - 6 Months</option>
<option value="8">7 - 9 Months</option>
<option value="11">10 - 12 Months</option>
<option value="16">1 - 2 Years</option>
<option value="30">2 - 3 Years</option>
<option value="72">4 - 8 Years</option>
<option value="120">Over 8 Years</option>
</select> <span class="omHelp-block"></span> </div>
</div>
</div>
</div>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-prev" data-role="back_to_step5"> Back </button> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step7"> Next </button>
</div>
</div>
<div id="omForm-step-7" class="omForm-step">
<div class="omForm-step__title">About Your Regular Income</div>
<div class="omForm-step__subtitle"> To apply for a loan you need to have a regular income going into a UK bank account. This can be a salary, pension,<br> student loan, benefits payment or any type of regular income. </div>
<div class="omForm-step__content">
<div class="omForm-row omForm-row-center">
<div class="omForm-col-12 omForm-col-md-6 omForm-col-lg-5 omForm-col-xl-4">
<div class="omForm-field-wrapper "> <label class="omForm-field-label" for="incomePaymentFrequency">When do you get paid?</label> <select class="omInputText" name="incomePaymentFrequency" id="incomePaymentFrequency">
<option selected="" disabled="" value="">Please select</option>
<option value="last_working_day_of_month">Last Working Day of Month</option>
<option value="four_weekly">Four Weekly</option>
<option value="specific_day_of_month">A Specific Day of Month</option>
<option value="last_monday_of_month">Last Monday of Month</option>
<option value="last_tuesday_of_month">Last Tuesday of Month</option>
<option value="last_wednesday_of_month">Last Wednesday of Month</option>
<option value="last_thursday_of_month">Last Thursday of Month</option>
<option value="last_friday_of_month">Last Friday of Month</option>
<option value="weekly">Weekly</option>
<option value="fortnightly">Fortnightly</option>
<option value="semi_monthly">Semi Monthly</option>
</select> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper"> <label class="omForm-field-label" for="expenseHousing">Monthly Take Home Pay (£)</label> <input type="number" class="omInputText" name="incomeNetMonthly" id="incomeNetMonthly" placeholder="£"> <span
class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper"> <label class="omForm-field-label">Next Paydate</label>
<div class="omForm-row omForm-row-small">
<div class="omForm-col-6"> <select class="omInputText" id="nextDate1Day" name="nextDate1Day">
<option disabled="" selected="" value="">DD</option>
<option value="01">01</option>
<option value="02">02</option>
<option value="03">03</option>
<option value="04">04</option>
<option value="05">05</option>
<option value="06">06</option>
<option value="07">07</option>
<option value="08">08</option>
<option value="09">09</option>
<option value="10">10</option>
<option value="11">11</option>
<option value="12">12</option>
<option value="13">13</option>
<option value="14">14</option>
<option value="15">15</option>
<option value="16">16</option>
<option value="17">17</option>
<option value="18">18</option>
<option value="19">19</option>
<option value="20">20</option>
<option value="21">21</option>
<option value="22">22</option>
<option value="23">23</option>
<option value="24">24</option>
<option value="25">25</option>
<option value="26">26</option>
<option value="27">27</option>
<option value="28">28</option>
<option value="29">29</option>
<option value="30">30</option>
<option value="31">31</option>
</select> </div>
<div class="omForm-col-6"> <select class="omInputText" id="nextDate1Month" name="nextDate1Month">
<option value="" disabled="" selected="">MM</option>
<option value="01">Jan</option>
<option value="02">Feb</option>
<option value="03">Mar</option>
<option value="04">Apr</option>
<option value="05">May</option>
<option value="06">Jun</option>
<option value="07">Jul</option>
<option value="08">Aug</option>
<option value="09">Sep</option>
<option value="10">Oct</option>
<option value="11">Nov</option>
<option value="12">Dec</option>
</select> </div>
</div> <input type="hidden" class="omInputText" name="incomeNextDate1" id="incomeNextDate1" placeholder="DD/MM/YYYY"> <span class="omHelp-block"></span>
</div>
<div class="omForm-field-wrapper"> <label class="omForm-field-label" for="NextDate2Day">Paydate after next</label>
<div class="omForm-row omForm-row-small">
<div class="omForm-col-6"> <select class="omInputText" id="nextDate2Day" name="nextDate2Day">
<option disabled="" selected="" value="">DD</option>
<option value="01">01</option>
<option value="02">02</option>
<option value="03">03</option>
<option value="04">04</option>
<option value="05">05</option>
<option value="06">06</option>
<option value="07">07</option>
<option value="08">08</option>
<option value="09">09</option>
<option value="10">10</option>
<option value="11">11</option>
<option value="12">12</option>
<option value="13">13</option>
<option value="14">14</option>
<option value="15">15</option>
<option value="16">16</option>
<option value="17">17</option>
<option value="18">18</option>
<option value="19">19</option>
<option value="20">20</option>
<option value="21">21</option>
<option value="22">22</option>
<option value="23">23</option>
<option value="24">24</option>
<option value="25">25</option>
<option value="26">26</option>
<option value="27">27</option>
<option value="28">28</option>
<option value="29">29</option>
<option value="30">30</option>
<option value="31">31</option>
</select> </div>
<div class="omForm-col-6"> <select class="omInputText" id="nextDate2Month" name="nextDate2Month">
<option value="" disabled="" selected="">MM</option>
<option value="01">Jan</option>
<option value="02">Feb</option>
<option value="03">Mar</option>
<option value="04">Apr</option>
<option value="05">May</option>
<option value="06">Jun</option>
<option value="07">Jul</option>
<option value="08">Aug</option>
<option value="09">Sep</option>
<option value="10">Oct</option>
<option value="11">Nov</option>
<option value="12">Dec</option>
</select> </div>
</div> <input type="hidden" class="omInputText" name="incomeNextDate2" id="incomeNextDate2" placeholder="DD/MM/YYYY"> <span class="omHelp-block"></span>
</div>
</div>
</div>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-prev" data-role="back_to_step6"> Back </button> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step8"> Next </button>
</div>
</div>
<div id="omForm-step-8" class="omForm-step">
<div class="omForm-step__title">How Much Do You Spend Each Month?</div>
<div class="omForm-step__subtitle"> Please complete these to the best of your knowledge - these can be estimates.<br> If you split your bills, include only your share here. </div>
<div class="omForm-step__content">
<div class="omForm-row omForm-row-center">
<div class="omForm-col-12 omForm-col-md-10">
<div class="omForm-row">
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6 omForm-col-xl-4"> <label class="omForm-field-label" for="expenseHousing">Monthly Rent/Mortgage (£)</label> <input type="number" class="omInputText"
name="expenseHousing" id="expenseHousing" placeholder="£"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6 omForm-col-xl-4"> <label class="omForm-field-label" for="expenseAllLoans">Monthly Loan Repayments (£)</label> <input type="number" class="omInputText"
name="expenseAllLoans" id="expenseAllLoans" placeholder="£" data-max="4"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6 omForm-col-xl-4"> <label class="omForm-field-label" for="expenseUtilities">Monthly Utility Bills <small>- gas, electric (£)</small></label> <input type="number"
class="omInputText" name="expenseUtilities" id="expenseUtilities" placeholder="£"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6 omForm-col-xl-4"> <label class="omForm-field-label" for="expenseUtilities">Monthly Transport Costs (£)</label> <input type="number" class="omInputText"
name="expenseTransport" id="expenseTransport" placeholder="£"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6 omForm-col-xl-4"> <label class="omForm-field-label" for="expenseFood">Monthly Food Costs (£)</label> <input type="number" class="omInputText" name="expenseFood"
id="expenseFood" placeholder="£"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-6 omForm-col-xl-4"> <label class="omForm-field-label" for="expenseOther">Other Monthly Expenses (£)</label> <input type="number" class="omInputText" name="expenseOther"
id="expenseOther" placeholder="£"> <span class="omHelp-block"></span> </div>
</div>
</div>
</div>
</div>
<div class="omForm-step__footer"> <button type="button" class="omForm-control js-button-prev" data-role="back_to_step7"> Back </button> <button type="button" class="omForm-control js-button-next" data-role="continue_to_step9"> Next </button>
</div>
</div>
<div id="omForm-step-9" class="omForm-step">
<div class="omForm-step__title">Where do you want us to deposit your loan?</div>
<div class="omForm-step__subtitle"> This must be a UK bank which has a debit card attached. </div>
<div class="omForm-step__content">
<div class="omForm-row omForm-row-center">
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="bankAccountNumber">Bank Account Number</label> <input type="tel" class="omInputText" id="bankAccountNumber" name="bankAccountNumber"
maxlength="8" placeholder="12345678"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-4"> <label class="omForm-field-label" for="bankSortCode">Bank Sort Code</label> <input type="tel" class="omInputText" id="bankSortCode" name="bankSortCode" maxlength="6"
placeholder="123456"> <span class="omHelp-block"></span> </div>
<div class="omForm-field-wrapper omForm-col-12 omForm-col-md-10">
<div class="omForm-consent"> <label class="omForm-consent__field omFlagInputBox" id="notifications"> Please tick here if you are happy for us to send helpful finance tips and occasional promotions (you can always opt out later). <input
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HI , WE COULD HELP YOU BORROW £100-£5000
Please confirm the information below so that we can process your application.
Loan Amount £100 - £5,000: Please select £100 £200 £300 £400 £500 £600 £700 £800
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Alternative Option!
To apply for a short term loan of up to £2500, please select a new loan amount
below and click continue.*
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*Subject to application being approved by the lender. Not all lenders are able
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website does not directly endorse any particular product or service. Any
information on this site should serve as opinion only. As a condition of
extending credit, some lenders you may be matched with may run a credit check
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MM Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
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Time in Job Please select < 3 Months 4 - 6 Months 7 - 9 Months 10 - 12 Months 1
- 2 Years 2 - 3 Years 4 - 8 Years Over 8 Years
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About Your Regular Income
To apply for a loan you need to have a regular income going into a UK bank
account. This can be a salary, pension,
student loan, benefits payment or any type of regular income.
When do you get paid? Please select Last Working Day of Month Four Weekly A
Specific Day of Month Last Monday of Month Last Tuesday of Month Last Wednesday
of Month Last Thursday of Month Last Friday of Month Weekly Fortnightly Semi
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Please complete these to the best of your knowledge - these can be estimates.
If you split your bills, include only your share here.
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Monthly Loan Repayments (£)
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This must be a UK bank which has a debit card attached.
Bank Account Number
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Reference and Fraud Prevention agencies may be used to make lending decisions
and for the prevention of fraud and money laundering. Details about this are
contained in the Privacy Policy.
Keep getting declined for credit and want to know why? Tick here to get a FREE
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smart-loans.uk is not a lender and does not make credit decisions.
smart-loans.uk matches customer applications with lenders in our network based
on the information provided, in exchange for a commission paid by the lender for
advertising services provided. There is no guarantee that you will be accepted
by a lender or that you will be offered terms suitable for your financial needs.
Not all lenders will be able to provide amounts up to £5000. The time required
to process and transfer the loan varies by the lender. This website does not
directly endorse any particular product or service. Any information on this site
should serve as opinion only. As a condition of extending credit, some lenders
you may be matched with may run a credit check from a credit reference agency.
Late or missed payments may be subject to increased fees and/or interest rates.
smart-loans.uk is a registered trading name of ESL Consultancy Services Ltd, who
are authorised and regulated by the Financial Conduct Authority and is entered
on the Financial Services Register under reference number: 835333.
ESL Consultancy Services Ltd is registered in England and Wales (Company number
11483654), with a registered office located at XL House, Mill Court, Spindle
Way, Crawley, RH10 1TT . Licensed by the Information Commissioner’s Office under
registration number: ZA464347
If you wish to renew your loan, please discuss this with your lender in advance.
Most lenders will charge the same rate of interest and fees for another month on
the entire amount owed. In the event of non-payment, a loan renewal / extension
could be automatic and further interest and/or charges may be added to your
account.
If you are thinking of consolidating existing borrowing you should be aware that
it may involve repaying a higher rate of interest, extending the terms of the
debt and increasing the total amount you repay.
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). *Subject to application being approved by the lender
Representative 669.35% APR (variable)
*Not all lenders are able to provide up to £5000
*subject to lenders requirements and approval
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Complaints Procedure
We pride ourselves on our excellent standard of customer service and go to every
length to ensure that our customers are satisfied.
However, if you would like to make a complaint, please do not hesitate to
contact us. Our dedicated team will resolve your complaint as quickly as
possible, following the procedure outlined below:
Once we’ve received your complaint, we will aim to resolve it within three
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the matter on the same call and then write to you to check you’re happy with the
resolution.
If, for any reason, we’re unable to resolve your complaint by the end of the
third working day, we will write to you within 5 working days of receiving your
complaint to acknowledge that we have received it.
We will write to you with a Final Response within 28 days of receiving the
complaint.
If, for any reason, we are unable to do this, we will provide a written update.
We will then write to you with a Final Response within 56 days of the date of
the complaint.
If, for any reason, we are unable to do this, we will provide a further written
update. At this point, if you are unhappy with our response, you can take the
complaint to the Financial Ombudsman Service.
How do I pass my complaint to the Financial Ombudsman Service?
The FOS’ details are:
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Website: www.financial-ombudsman.org.uk
Email: complaint.info@financial-ombudsman.org.uk
Phone: 0800 023 4567 or 0300 123 9123
If you do not want to complain to the FOS, and wish to complain online, you can
do so via the Online Dispute Resolution Platform -
http://ec.europa.eu/consumers/odr/
Smart-Loans Terms & Conditions
Please ensure you read these Terms & Conditions carefully before agreeing to
them. They exist to protect both you and us.
If you do not understand anything in these Terms and Conditions or require
further information, please contact us at mailbox@esl-consultancy.co.uk.
By using our website, you should be aware that you are fully agreeing to these
terms and conditions. If you do not agree with any of the Terms and Conditions,
then please do not use our website.
Licensing & Regulation
2.1 We are regulated by the Financial Conduct Authority
2.2 Smart-Loans is a trading style of ESL Consultancy Services Ltd, Registered
address: XL House, Mill Court, Spindle Way, Crawley, RH10 1TT. Registered in
England and Wales. Company Number:11483654, Data Protection Number ZA464347. ESL
Consultancy Services Ltd is Limited are authorised and regulated by the
Financial Conduct Authority and are entered on the Financial Services Register
under Reference Number 835333
Our Service
3.1 We offer an online short term, payday and installment loan application
service.
3.2 Through our website, you will be able to access lenders or product providers
including Credit Brokers who, based upon the information you have provided, may
be able to meet your borrowing requirements. Where two or more options are
available, you will be “matched” with the lender with the lowest cost.
3.3 Once accepted by a lender or product provider including Credit Brokers, you
will be directed towards their website. After this point, we are unable to take
responsibility for any loan you do or do not take out, or any alternative
solution you choose.
3.4 Any loan you take out as a result of using our service is a legal agreement
between you and your lender, to which ESL Consultancy Services Ltd is not a
party
3.5 We are a broker, NOT a lender. We do not provide credit to customers, nor
are we involved in lending decisions.
3.5 Any 'example repayments' offered on our website are based on our
Representative APR and are meant only as a guide. The actual rate of any loan
will be down to your chosen lender.
3.6 We do not carry out any credit checks or credit scoring.
3.7 We will find you a lender or product provider based on both the information
you provide and the requirements the lender or product provider including Credit
Brokers has supplied. We do not promise or otherwise guarantee to find you the
cheapest loan for your circumstances.
3.8 If we cannot find you a lender then we may refer you to an alternative
product provider including Credit Brokers.
3.9 We do not charge the customer a fee for using our broker services, but we do
receive a commission from lenders, product providers or other brokers for
successful applications introduced through this website or if a customer enters
into a consumer credit agreement with a lender or broker following an
introduction through this website. You agree that we are entitled to retain any
such commission in full.
Credit Checking
4.1 While we do not conduct any credit checks, individual lenders and finance
providers within our system may use credit scoring to determine whether or not
to extend credit to you.
4.2 By agreeing to our terms and conditions you are accepting that you may be
credit checked by loan providers.
4.3 Details of credit checks carried out may appear on your credit file.
About You
5.1 All the information you provide when using our service must be accurate and
correct to the best of your knowledge
5.2 It is illegal to provide incorrect information when applying for financial
products - If you knowingly provide inaccurate details when using our service,
you understand that you may be subject to a fraud investigation.
5.3 You are not guaranteed access to credit by the use of our service.
The Use of Your Details
6.1 Please read our Privacy Policy for details of how we use your Personal Data
Rights to amend
7.1 We reserve the rights to amend or withdraw our service at any time without
prior notice.
7.2 We may update and change the content on the website at any time.
7.3 We may amend or update our terms and conditions at any time.
Intellectual property rights
8.1 The copyright and material on this website is owned by ESL Consultancy
Services Ltd and is protected by the copyright laws of the United Kingdom.
8.2 All logos, names, images, and information used on our website are the
property of ESL Consultancy Services Ltd.
Privacy Policy
We understand that your privacy is extremely important to you. This Privacy
Policy will explain what personal information we will ask you for, why we need
it, and what we will do with it. If you would like further information or
clarification on any aspects of this Policy, please contact us using the details
below.
Who we are
Smart-loans.uk is a trading style of ESL Consultancy Services Ltd who are
registered in England and Wales (Company Number:11483654), with a registered
office located at XL House, Mill Court, Spindle Way, Crawley, RH10 1TT. Licensed
by the information Commissioner’s Office under registration number: ZA464347.
ESL Consultancy Services Ltd is authorised and regulated by the Financial
Conduct Authority and is entered on the Financial services Register under
reference number: 835333.
How we collect your information
We may obtain information from you through our websites, mobile applications or
other similar devices, channels, or applications. We may also be sent your
information by lenders or other credit brokers to whom you have given your
consent for them to do so.
Information we may collect from you
1. 1. We will only collect the necessary information from you that we need to
provide you with our credit broker service.
2. 2. We may collect and process the following information about you:
3. 3. Directly from you, via our application form or any other online forms on
this or any other of our websites or our partners websites, such as: Name,
E-mail address, Home address and residential status, telephone numbers, date
of birth, the name and contact details of your employer, income details,
including your pay dates, bank account details. We will also collect
information on your utility suppliers and how you pay how you pay your bills
as well as specific information relating to your loan request.
4. 4. Correspondence, or are cord of it if you should contact us, together with
your contact details and our responses;
5. 5. Surveys that we use for research purposes, which we have asked you to
complete (although you do not have to respond to them);
6. 6. Details of your visits to our Sites (including, but not limited to,
traffic data, location data, weblogs and other communication data, whether
this is required for our own billing purposes or otherwise) and the
resources that you access; and
7. 7. Information from third parties in respect of you, which may include your
employer, a referee or a person residing or working from another country.
How we use your information
We use information held about you in the following ways:
1. 1. To process and submit your Application Form to lenders and credit
brokers and other financial providers to apply for the funds you have
requested; these companies may contact you by phone, email, SMS or MMS.
2. 2. To provide you with the best possible service;
3. to ensure that content from our websites is presented in the most
effective manner for you and for your computer;
4. 3. To notify you about changes to our products and services;
5. 4. We and third parties to whom you agree we may send your data may also
use it for marketing purposes to provide you with data about goods and
services which may be of interest to you, and we may contact you about
these by phone, SMS, MMS and E- mail subject to the preferences you
select when opting in (please see our section on Direct Marketing for
further information).
Our lenders with whom we share your information may use it for their
legitimate business interests to match applications, carry out fraud checks,
carry out research such as analysis of market trends and customer
demographics and to customise and develop the product/service which they
offer to you or other individuals in the future. Most lenders might use this
for up to 12 months.
The following is a list of lenders and/or brokers to whom we may send your
personal information:
* Loan Machine Limited
* Media Blanket Limited
* Hamilton Digital Solutions Limited
* T Dot UK Limited
* Quint Group Limited
* Sandhurst Associates Limited
* Bizfella Ltd
* Aspire Money Limited
* Silver City Tech Limited
* Stop Go Networks Limited
* Mindflow Marketing Limited
* TFLI Limited
* 1plus1Loans
* 247 Moneybox
* Buddy Loans
* Amigo
* Bamboo
* Talk Loans
* Pounds to Pocket
* Quick Quid
* Wageday Advance
* Juo Loans
* Piggy Bank
* Sunny
* Everyday Loans
* Trust two
* Selfy Loans
* Ferratum
* Lending Stream
* George Banco
* The Money Platform
* H & T Money
* Steps to ne Credit
* Safety Net Credit
* Lead Byte
* Credit Perfect
* Loans 2 Go
* Guarantor My Loan
* Swift Sterling
* Mobile Money
* Dot Dot Loans
* Morses Club
* My Jar
* Next Credit
* Express Finance Limited
* Cash 4 U Now
* Mr Lender
* Provident Personal Credit limited trading as Provident and Satsuma Loans,
Registered Office: 1 Godwin Street, BD1 2SU. Email:
customerrelations@provident.co.uk
* UK Credit Ratings
* Quid Market
* TFS Loans
* The 1st Stop Group
* The Quick Loan Shop
* TM Advances
* THL Direct
* Trusted Quid
* UK Credit
* Uncle Buck
* Savvy Benefits Card
* Cashfloat
* Total Home Loans
* Response Funding
* Choose Wisely Limited
* IMT Technologies Limited
* Interlincx
* Match The Cash Limited
* The Money Platform
* Trusted Cash Limited
* Season Marketing Limited
* TM Advances Limited
* Forefront Solutions Limited
* Hymarc Ltd
* Western Circle Ltd
* William Ellis Sinclair (ZA033005)
* Fuel Ltd
* Duke Leads-FZCO Trading as Mega Mobile, Mobile Deal & go4discounts.com
* Flex Mobile Limited Trading As Poor Credit Mobile, Sweet Mobile
* Bizfella Limited Trading As Flex Simba
* Utilita Limited
* Shell Energy Ltd
* Octopus Ltd
* Scottish Power Ltd
* As part of your application for a loan, we will share your personal data
with Monevo Limited (a regulated credit broker) who will then share your
data with the members of its lender panel to try and find you a loan.
Monevo may also share your personal data with Trans Union (formerly Call
credit) & other credit bureaus for the purposes of matching you to a
lender. Full information as to how they process your personal data and
your rights can be found here
https://privacy.monevo.com/uk/privacy-policy.
Retaining your data
We retain your personal data for a period of 1 year, after which time the
data is securely deleted and can no longer be accessed. This period is in
line with other financial services and banking providers, and ensures that
we are in a position to answer queries and complaints about our service, and
to cooperate with other third parties in doing so.
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we
plan to use your personal data, and which of the legal bases we rely on to
do so. We have also identified what our legitimate interests are where
appropriate.
Note that we may process your personal data for more than one lawful ground
depending on the specific purpose for which we are using your data.
Purpose/Activity Type of data Lawful basis for processing including basis of
legitimate interest To process your requests for offers of credit from our
trusted third party lender partners
a. Identity
b. Contact
c. Financial
d. Transaction
Performance of a contract with you. This will include automated decision
making on the part of our trusted third party lender partners. To administer
and protect our business and this website (including troubleshooting, data
analysis, testing, system maintenance, support, reporting and hosting of
data)
a. Identity
b. Contact
c. Technical
a. Necessary for our legitimate interests (for running our business,
provision of administration and IT services, network security, to
prevent fraud and in the context of a business reorganisation or group
restructuring exercise)
b. Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure or
understand the effectiveness of the advertising we serve to you
a. Identity
b. Contact
c. Profile
d. Usage
e. Marketing and Communications
Technical Necessary for our legitimate interests (to study how customers use
our products/services, to develop them, to grow our business and to inform
our marketing strategy) To use data analytics to improve our website,
products/services, marketing, customer relationships and experiences
a. Technical
b. Usage
Necessary for our legitimate interests (to define types of customers for our
products and services, to keep our website updated and relevant, to develop
our business and to inform our marketing strategy)
Promotional offers from us
We may use your Identity, Contact, Technical, Usage and Profile Data to form
a view on what we think you may want or need, or what may be of interest to
you. This is how we decide which products, services and offers may be
relevant for you (we call this marketing).
You will receive marketing communications from us if you have provided us
with consent to contact you and you have not opted out of receiving that
marketing.
Cookies
Our website uses cookies to distinguish you from other users of our website.
This helps us to provide you with a good experience when you browse our
website and also allows us to improve our site. By continuing to browse the
site, you are agreeing to our use of cookies.
A cookie is a small file of letters and numbers that we store on your
browser or the hard drive of your computer if you agree. Cookies contain
information that is transferred to your computer’s hard drive.
We use the following cookies:
* Analytical/performance cookies. They allow us to recognise and count the
number of visitors and to see how visitors move around our website when
they are using it. This helps us to improve the way our website works,
for example, by ensuring that users are finding what they are looking for
easily.
* Functionality cookies. These are used to recognise you when you return to
our website. This enables us to personalise our content for you, greet
you by name and remember your preferences (for example, your choice of
language or region).
* Targeting cookies. These cookies record your visit to our website, the
pages you have visited and the links you have followed. We will use this
information to make our website and the advertising displayed on it more
relevant to your interests. We may also share this information with third
parties for this purpose.
You can find more information about the individual cookies we use and the
purposes for which we use them in the table below:
Name(s) Purpose subaccount, source, referrer, keyword, uuid These cookies
enable us to determine how you and other users of poundloan.co.uk arrived at
the site.
Please note that third parties (including, for example, advertising networks
and providers of external services like web traffic analysis services) may
also use cookies, over which we have no control.
You block cookies by activating the setting on your browser that allows you
to refuse the setting of all or some cookies.
Disclosures of your personal data
We may have to share your personal data with the parties set out below for
the purposes set out in the table in paragraph 4 above.
– Internal Third Parties as set out in the Glossary.
– External Third Parties as set out in the Glossary.
Third parties to whom we may choose to sell, transfer, or merge parts of our
business or our assets. Alternatively, we may seek to acquire other
businesses or merge with them. If a change happens to our business, then the
new owners may use your personal data in the same way as set out in this
privacy notice.
We require all third parties to respect the security of your personal data
and to treat it in accordance with the law. We do not allow our third-party
service providers to use your personal data for their own purposes and only
permit them to process your personal data for specified purposes and in
accordance with our instructions.
International transfers
Some of our external third parties are based outside the European Economic
Area (EEA) so their processing of your personal data will involve a transfer
of data outside the EEA.
Whenever we transfer your personal data out of the EEA, we ensure a similar
degree of protection is afforded to it by using specific contractual clauses
which give personal data the same protection it has in Europe.
Please contact us if you want further information on the specific mechanism
used by us when transferring your personal data out of the EEA.
Data security
We have put in place appropriate security measures to prevent your personal
data from being accidentally lost, used or accessed in an unauthorised way,
altered or disclosed. In addition, we limit access to your personal data to
those employees, agents, contractors and other service providers who have a
business need to know. They will only process your personal data on our
instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data
breach and will notify you and any applicable regulator of a breach where we
are legally required to do so.
Your legal rights
Under certain circumstances, you have rights under data protection laws in
relation to your personal data. These rights are listed and described below:
* Request access to your personal data (commonly known as a “data subject
access request”). This enables you to receive a copy of the personal data
we hold about you and to check that we are lawfully processing it.
* Request correction of the personal data that we hold about you. This
enables you to have any incomplete or inaccurate data we hold about you
corrected, though we may need to verify the accuracy of the new data you
provide to us.
* Request erasure of your personal data. This enables you to ask us to
delete or remove personal data where there is no good reason for us
continuing to process it. You also have the right to ask us to delete or
remove your personal data where you have successfully exercised your
right to object to processing (see below), where we may have processed
your information unlawfully or where we are required to erase your
personal data to comply with local law. Note, however, that we may not
always be able to comply with your request of erasure for specific legal
reasons which will be notified to you, if applicable, at the time of your
request.
* Object to processing of your personal data where we are relying on a
legitimate interest (or those of a third party) and there is something
about your particular situation which makes you want to object to
processing on this ground as you feel it impacts on your fundamental
rights and freedoms. You also have the right to object where we are
processing your personal data for direct marketing purposes. In some
cases, we may demonstrate that we have compelling legitimate grounds to
process your information which override your rights and freedoms.
* Request restriction of processing of your personal data. This enables you
to ask us to suspend the processing of your personal data in the
following scenarios: (a) if you want us to establish the data’s accuracy;
(b) where our use of the data is unlawful but you do not want us to erase
it; (c) where you need us to hold the data even if we no longer require
it as you need it to establish, exercise or defend legal claims; or (d)
you have objected to our use of your data but we need to verify whether
we have overriding legitimate grounds to use it.
* Request the transfer of your personal data to you or to a third party. We
will provide to you, or a third party you have chosen, your personal data
in a structured, commonly used, machine-readable format. Note that this
right only applies to automated information which you initially provided
consent for us to use or where we used the information to perform a
contract with you.
* Withdraw consent at any time where we are relying on consent to process
your personal data. However, this will not affect the lawfulness of any
processing carried out before you withdraw your consent. If you withdraw
your consent, we may not be able to provide certain products or services
to you. We will advise you if this is the case at the time you withdraw
your consent.
If you wish to exercise any of the rights set out above, please contact us
by emailing mailbox@esl-consultancy.co.uk
No fee usually required
You will not have to pay a fee to access your personal data (or to exercise
any of the other rights). However, we may charge a reasonable fee if your
request is clearly unfounded, repetitive or excessive. Alternatively, we may
refuse to comply with your request in these circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your
identity and ensure your right to access your personal data (or to exercise
any of your other rights). This is a security measure to ensure that
personal data is not disclosed to any person who has no right to receive it.
We may also contact you to ask you for further information in relation to
your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally
it may take us longer than a month if your request is particularly complex
or you have made a number of requests. In this case, we will notify you and
keep you updated.
Glossary
LAWFUL BASIS
* Legitimate Interest means the interest of our business in conducting and
managing our business to enable us to give you the best service/product
and the best and most secure experience. We make sure we consider and
balance any potential impact on you (both positive and negative) and your
rights before we process your personal data for our legitimate interests.
We do not use your personal data for activities where our interests are
overridden by the impact on you (unless we have your consent or are
otherwise required or permitted to by law). You can obtain further
information about how we assess our legitimate interests against any
potential impact on you in respect of specific activities by contacting
us.
* Performance of Contract means processing your data where it is necessary
for the performance of a contract to which you are a party or to take
steps at your request before entering into such a contract.
* Comply with a legal or regulatory obligation means processing your
personal data where it is necessary for compliance with a legal or
regulatory obligation that we are subject to.
THIRD PARTIES
* External Third Parties
– Service providers acting as processors based in the EEA, the United
Kingdom and the United States who provide IT and system administration
services.
– Professional advisers acting as processors or joint controllers including
lawyers, bankers, auditors and insurers based the United Kingdom and the
United States who provide consultancy, banking, legal, insurance and
accounting services.
– HM Revenue & Customs, regulators and other authorities acting as
processors or joint controllers based in the United Kingdom who may require
reporting of processing activities in certain circumstances.
– Our network of trusted third party affiliate websites, third party
affiliate networks, third party digital marketers, and third party lenders.
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). .
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Trusted Partners
1plus1 Loans Limited
Amigo Loans Ltd
Choose Wisely Limited
CURO Transatlantic Limited
DJS UK Limited
George Banco.com Limited
Gracombex Ltd
IMT Technologies Limited
Indigo Michael Limited
Interlincx
Lead Byte LTD
Lending Stream LLC
Loan Machine Limited
Match the Cash Limited
Mediablanket Ltd
Monevo Limited
MYJAR IT OU
Mylenders.co.uk
PDL Finance Limited
Quest 365
RU MEDIA UK LIMITED
Sandhurst Associates LTD
Savant International Limited
Season Marketing Ltd
Stagemount Limited
TFLI Limited
TM Advances Limited
Uncle Buck Finance LLP
Valour Finance Limited
Western Circle Ltd
Monetise Media Limited
Enterprise Management Serviced Limited
Express Finance
Loans 2 Go
Digital Oyster
Payday Ventures Ltd
ESL Consultancy Ltd
Leadtree Global Limited
Affiliate ROI
Convorto Ltd
Leadspot Ltd
Fuel Limited
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