At Smart Money Cymru we’re always looking for new ways to help our Members and make their lives a little easier.

That’s why, towards the end of last year, we launched Smart Goods, a new service to give our Members access to a catalogue of 5000 things for the home like cookers, fridges, and televisions. In fact, there’s almost anything you might need for your home right down to the smallest items.

The new way of shopping has proved a hit with hundreds of local people obtaining finance from us and ordering from the catalogue for their goods to be delivered to their homes by a trusted supplier.

One of the reasons for launching the scheme was that we’ve seen that many people can struggle to get fair and reasonable finance, and find they can’t buy things they need for themselves and their families. We also know that in many parts of Wales people are forced to turn to unofficial lenders, which often leads to problems.

So we’ve launched a new and different way of borrowing, and it’s already proving very popular.

While you need to become a Member of Smart Money Community Bank to use Smart Goods, this is easy (and free) and brings other benefits too.

Once you’ve joined we will lend you the money to buy what you want from the Catalogue, as long as you meet our borrowing criteria. As a Community Bank we’re far more flexible  than other lenders like High Street Banks. We take an overall view of your financial picture, and don’t just base lending decisions on credit reference agencies.


Ethical alternative

Smart Goods loans are provided at a fixed interest rate of 3% per month. This rate compares very favourably with rates offered by other lenders in this and similar markets and provides an affordable and ethical alternative.

Once the Smart Loan is arranged you can place your order, which will be delivered to your door.

Smart Money Cymru Community Bank was formed from Smart Money Cymru Credit Union, and  has branches in Caerphilly, Blackwood and Tredegar, and while most of our 7000 Members live in those areas, we operate throughout Wales and have clients across the country. We’re the first such organisation in Wales to set up a scheme along these lines.

There are many other reasons to join our Community Bank, apart from accessing the Smart Goods scheme.

As well as a strong High Street presence, we’re making huge steps in upgrading our services. We can now offer a phone app for balance-checking, and access to an Engage Current Account which supports direct debits, standing orders and processing of card payments.

We provide a range of general loans, again on flexible terms and the process for applying has been streamlined so members can apply online from home, or in-branch with the help of our staff.

Smart Money Cymru recently celebrated 30 years of serving the community. In that time it has grown into a sophisticated organisation offering a wide variety of financial services to individuals, businesses and charities.

Why not have a chat with us about how we may be able to help you? Or visit the Smart Goods site to see what’s on offer.

Tel: 02922 741761

Smart Goods Website