Our Smart Loans are available for so many different reasons, and they are our most popular loan. We have flexible, affordable interest rates depending on how much you borrow (up to £15,000).

Why take out a smart loan?

  • No early repayment penalties
  • Quick and easy application
  • Applications are looked at my humans, not robots
  • 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

Applying for a Smart Loan is simple. Just click the link below or call our office for a chat with one of our team.

A credit check may be performed on applicants looking to borrow from Smart Money Cymru Community Bank.

Loan Application

Find out more about applying today

How To Apply
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How much can you borrow?

Term in months

Calculator results

Representative APR

Annual rate


Monthly Repayments

On 12 monthly repayments


Loan amount


Total cost of credit



Standard loan

Total due