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Loan Products

Smart Loans for you

At Smart Money Cymru, we can help you with your finance needs through a range of different loans.

To apply for any of our loan schemes, just go to the 'Apply For A Loan' page. To discuss what might best suit your needs, please call us on 029 2088 3751 and speak to one of our Member Services Officers.


Our standard Smart Loans are flexible with affordable interest rates from 0.75% per month (9.4% APR representative) to 3% per month (42.6% APR representative) depending on the amount you borrow, up to our maximum of £7,500. Repayments are monthly up to a maximum of 36 months and you can use your Smart Loan for almost any purpose - from buying a car, a new washing machine or television to paying for a wedding or going on holiday. We will also refinance your existing loans and credit cards onto one, single affordable loan for you. Just apply or speak to one of our Member Services Officers.


We do flexible Payroll Loans for Smart Money members employed by one of our Corporate Payroll Partners. If you are regularly saving with us through the Invisible Saver Payroll scheme, then our Payroll Loans are available to you at cheaper rates than our standard Smart Loans, starting from 0.5% per month (6.2% APR representative) to 2.5% per month (34.5% representative).


Our Secured loan is a popular choice amongst our members. When a member saves with us they can then borrow against their savings at a reduced interest rate of 1% per month equating to 12.7% APR. Members then repay the loan balance over a set term and saving whilst doing so.

Smart Money Cymru Credit Union Ltd, 64-66 Cardiff Road Caerphilly CF83 1JQ Telephone 029 2088 3751
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority 213370, FCA register no: 163C.

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