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Smart Loan

Smart Loan

Our standard Smart Loans are flexible with affordable interest rates depending on how much you borrow, up to our maximum loan of £7,500 - please see the table below.

Repayments are monthly up to a maximum repayment period of 36 months.

You can use you Smart Loan for almost any purpose you like:

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

Applying for a Smart Loan is simple. Just click the link below or call our office for a chat with one of our team. At the final stage of the online loan application,it gives you an option to click on the open banking link to allow us permission for us to view your bank statements to support your loan application. The link can only be used if you have an online banking facility linked to your relevant bank account. Providing the statements this way is less time consuming and will lead to a quicker response for your loan application. For applicants who do not have online banking, you will need to deliver the past three months bank statements prior to your loan application to one of our branches in a timely manner.

Apply now

 Loan Amount                  Monthly Interest Rate         APR %

 Up to £2,500                                3%                               42.6%

 £2,501 to £5,000                         2%                               26.8%

 £5,001 to £7,500                          1%                                12.7%


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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