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Smile is the internet only bank from The Co-operative Bank.

Smile provide personal loans from 1,500 up to 15,000. Repayments can be made over 1 to 7 years and the interest rate remains fixed throughout the term of the loan.

All smile loans have no arrangement fees or any other charges, unless you pay off your loan early, in which case there is an early settlement fee of 2 month's interest if your loan is for 5 years or less or 1 month's interest if your loan is for more than 5 years.

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