Spread the cost of Christmas this year with ethical finance from Smart Money Cymru. We’ve already been giving our Christmas loans over the summer, and by taking a low interest loan, you can not only celebrate the festive season how you want, but spread the cost over a number of months without worrying about huge debts to pay in the new year.Apply Now
Why take out a smart loan?
A list of the most popular reasons we provide loans on a monthly basis
No early repayment penalties
Quick and easy application
Applications are looked at by humans,
Fixed repayments for up to 60 months
We help you grow your savings while you repay your loan
Our interest rates are transparent, and lower than many high street banks
Try out our loan calculator below
Maximum Loan Term :
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
Not a Member?
Joining Smart Money Community Bank is the best decision you will make for you and your money. Our members benefit from the lowest lending rates in the community, no transaction charges, no fees and friendly staff available to talk to you about your needs.Join Us
Ready to Apply?
Are you ready to apply or do you need more information on our affordable loans? Click on "Apply Now" button to start your journey right now or click on "Contact Us" button to send us a message if you are unsure about your documentation, or still have other questions. To apply for any of our loans, you will need to be our member, to find out more about joining our community bank click the "Join Us" button below.Apply Now Contact Us Join Us