Small loans for every day expenses

Our Family Loan is a great way to take a small loan for everyday expenses and build a savings pot at the same time.


Apply for a loan of up to £500 paid back from your Child Benefit payments each week. Save the remainder of your payments in an instant access account or even open a junior account for your children.

Why take out a Family Loan?

No early repayment penalties

Quick and easy application

Applications are looked at by humans,
not robots

Fixed repayments for up to 18 months

We help you grow your savings while you repay your loan

Our interest rates are transparent, and lower than many high street banks

Loan Calculator

Try out our loan calculator below

Maximum Loan Amount :
Maximum Loan Term :

£

Term

Repayment Frequency
£
APR
42.6%
# Repayments
Total
£
APR
42.6%
# Repayments
Total
£
APR
42.6%
# Repayments
Total
£
APR
42.6%
# Repayments
Total

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.

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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.

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