As a member of Smart Money Cymru, you have access to a range of exclusive loans, up to £15,000. The more you borrow, the less the interest rate too.

If your employer is part of our Payroll Scheme, then you can also benefit from our Payroll Loans – giving you even better interest rates than on our usual loans!

Why borrow from Smart Money Cymru?

  • No early repayment penalties
  • Quick and easy application
  • Applications are looked at by humans, not robots
  • Fixed repayments for up to 60 months
  • We help you grow your savings while you repay your loan
  • All of our loans enjoy Loan Insurance
  • Our interest rates are transparent, and lower than many high street banks

Apply today

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What do we provide loans for?

You can borrow money off us for so many reasons. Below is a list of the most popular reasons we provide loans on a monthly basis, but if you can’t see your reason, just contact us to ask.

  • New car purchases
  • Car repairs
  • DIY
  • Landscaping
  • Celebrating – Weddings, Parties
  • Funeral Costs
  • Unexpected Vet Bills
  • Unexpected Medical Bills
  • Christmas spending
  • School Uniforms
  • Holidays or Staycations
  • Debt Consolidation

Find out more