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Smart Loan

Smart Loan

Our standard Smart Loans are flexible with affordable interest rates from 0.75% per month to 3% per month 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 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 will need to be visible on the statements and by providing the information will speed up the application process.

Apply now


 Loan Amount Monthly Interest Rate 



 Up to £1,000  3% 42.6%
£1,001 to £1,999  2.5%  34.5% 
£2,000 to £2,999  2%  26.8%
£3,000 to £3,999  1.5%  19.6% 
£4,000 to £4,999  1%  12.7% 
£5,000 to £7,500  0.75%  9.4% 

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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