Finance for household items
Smart Goods, launched in 2021 has hundreds of everyday items that can be financed through Smart Money Cymru. We have flexible repayment schedules available to suit your needs and encourage members to save whilst repaying their loan. First time Smart Goods borrowers will even receive £5 into their savings account to start it off*!
Existing and new members of Smart Money Cymru can apply for finance over 3 years on essential household items, tech, gift cards and more.Shop Now
Why take out finance with us for?
No early repayment penalties
Quick and easy application
Applications are looked at by humans,
Fixed repayments for up to 36 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
*£5 deposit made to eligible members who have been approved for their first Smart Goods loan with Smart Money Cymru and have not received a previous new buyer deposit.
Loans are charged at a straightforward 3% per month (42.6% APR). There are no charges or penalties for early repayment. A £100 loan paid off over 12 months will cost you £10.05 per month and the total charge for credit will be £20.60