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Smart Money Cymru Credit Union Ltd joined forces with the Wales Illegal Money Lending Unit (WIMLU) to highlight its loan product as an alternative to borrowing from illegal or high interest money lenders.

Smart Money Cymru Credit Union’s Head Office is based on Cardiff Road, in Caerphilly Town Centre; their partnership with WIMLU has strengthened following an increase in the number of illegal money lenders operating throughout the Borough.

Credit unions are financial co-operatives that provide a safe secure place to save and borrow; they are owned by the people who use their services, and not by external shareholders or investors. Credit unions encourage members to save, and offer a range of saving options including Christmas savings accounts and junior savers’ accounts.

Credit unions offer loan products suited to the member’s individual need at an affordable rate; they often offer smaller, shorter term loans that many banks simply don’t – and for which other lenders charge very high interest rates.

Andrina Davies Smart Money Cymru’s General Manager said “working with the Wales Illegal Money Lending Unit has helped Smart Money Cymru develop an attractive and informative leaflet which highlights the difference of borrowing from various sources and advertises the benefit of borrowing from a credit union”

Over the next two weeks each household within the Caerphilly Borough will receive the cartoon style leaflet outlining three different borrowing scenarios, each with different outcomes. The aim is to encourage people to move away from borrowing from illegal money lenders and highlight there are alternative options available to them.

The information leaflet was launched on Thursday 11th April 2019 at Phillpstown Fun Day and School Fete which was sponsored by Wales Illegal Money Lending Unit and Caerphilly County Borough Council.

Illegal money lending; to report a loan shark, please contact the Wales Illegal Money Lending Unit (WIMLU) 24 hour hotline    0300 123 3311 or email


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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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