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Smart lending - personal loans to suit you.

Personal Loans

Looking for a personal loan to help you manage your finances? At Smart Money, we specialise in personal loans that provide quick and easy access to the funds you need, in Jersey. Whether you’re planning a dream holiday, buying a new car or covering unexpected expenses, our personal loan options make borrowing stress-free.

Quick and easy

Apply for a Smart Money personal loan, and your funds could be in your account within 24 hours.

Personal loans that work for you

With a range of unsecured personal loan options up to £100k, chat to our team to find out how we can help you turn your goals into a reality.

Smart loan solutions

Quick decisions, market-leading interest rates and a friendly team of personal loan experts. We’ll help you find the right personal loan for you.

Customer service rep on phone at desktop

How it works

Apply online now, and you could have funds within 24 hours. Our team of friendly and knowledgeable loan specialists are on hand to answer any questions you may have, and guide you through the application process.

What can Smart Money Personal Loans be used for?

Car Repairs

Unexpected car bill? Don’t let it slow you down. Get back on the road with a personal loan from Smart Money.


Say yes to the ring of your dreams with Smart Money’s hassle-free personal loan solutions.

Legal Fees

Don’t let legal fees hold you back. Get the help you need, quickly and easily with Smart Money.

Unsecured Boat & Car Purchases

Found the car or boat of your dreams? Make it yours sooner with our unsecured personal loans.

Cosmetic Surgery

Look and feel your best with Smart Money’s personal loans for cosmetic surgery.

Home Furnishings

Make your house more of a home. Talk to us about our personal loans for furnishings.

Medical Bills

Get the treatment you need, when you need it – with a personal loan from Smart Money.


Plan your big day your way, and get a little help with a Smart Money wedding loan.

Dental Bills

Keep smiling. We can help you arrange stress-free personal loans to cover dentists’ expenses.


Take the headaches out of honeymoon planning, and spread the cost with a Smart personal loan.

Milestone Celebrations

Throwing the party of a lifetime? Make it unforgettable with our personal loans.

Education Fees

Invest in your future or give your kids the education they deserve with a loan for school fees or university.


Pack your bags and book that dream holiday with a personal holiday loan from Smart Money.

Rental Deposits

Need a step up onto the rental ladder? Get a helping hand with Smart Money’s personal loans.


We’re here to help.

What can I use my personal loan for?

Personal loans can be used for a whole range of purposes and purchases, from home furnishings to weddings, holidays or to help ease the stress of unexpected expenses. You can even take out a Smart Money personal loan to buy a new pet or get your teeth straightened

How long will it take to get my money?

We try to make it quick and easy to apply for a personal loan. You can apply online using our simple form, or make an appointment with one of our friendly Smart Money loan specialists. Once approved, the funds could be in your bank account within 24 hours.

What’s the difference between an unsecured personal loan and a secured personal loan?

Secured personal loans require collateral, like a car or a home, while unsecured personal loans don’t. At Smart Money, we want to help our customers achieve their dreams, and provide unsecured personal loans of up to £100k to finance a wide range of personal and commercial endeavours.

Representative example

For example, if you were to borrow £5,000 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1.757.80 is interest. This also includes a documentation fee of £100.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & maximum loan amounts
Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & maximum repayment terms
Minimum repayment term is 12 months. Maximum repayment term for unsecured lending is 60 months. Maximum repayment term for secured lending is 84 months.