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Payroll Loan

Payroll Loan

If your employer is one of our payroll partners and you automatically save with us through deductions from your payroll, then we can offer you a preferential loan interest rate through our Payroll Loans.

You can borrow up to £7,500 and repay the loan over 36 months. The interest rate is better than with our standard Smart Loans making those repayments even more affordable and flexible!

You can have a Smart Money Payroll Loan for almost any purpose:

We can also help you refinance your debts onto one affordable Payroll Loan - make your debts more manageable and replace all your high-interest debts with a single, affordable monthly repayment.

Applying for a Payroll Loan from Smart Money Cymru is simple. Just press the link below or call our office for a chat with one of our Member Services Officers. At the final stage of the online application, it gives you the option to upload supporting documentation. Please ensure you upload one full months bank statements dated within six weeks prior to the loan application. All income received needs to be visible on the bank statements and by providing the information, it will help speed up the application process.

 Apply now

Loan Amount Monthly Interest Rate



Up to £1,000 2.5% 34.5%
£1,001 to £1,999 2% 26.8%
£2,000 to £2,999 1.5% 19.6%
£3,000 to £3,999 1% 12.7%
£4,000 to £4,999 0.75% 9.4%
£5,000 to £7,500 0.5% 6.2%


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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