Smart Money Cymru Community Bank

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Christmas Loans

Christmas doesn't have to mean money worries. As a credit union, we're here to help you spread the cost fairly and affordably, with no hidden fees and no pressure. Borrowing is subject to status and affordability checks; full terms are available on application.

Christmas Loans

Loan Applications

We always aim to make a decision on your loan application within 24 hours. During busier times of year, especially in the run-up to Christmas, it might take us a little longer than usual to get back to you. Please be assured that every application receives our full attention, and we will be in touch as soon as possible. Thank you for your patience.

Christmas Loans

Want to Join?

Smart Money Cymru is the fastest growing Community Bank in Wales, and if you live in Wales, you can join us as a member today and enjoy a range of benefits.

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Our Loans

As a member of Smart Money Cymru, you have access to a range of exclusive loans, up to £7,500. The more you borrow, the less the interest rate too.

Borrowing is subject to status and affordability checks; full terms are available on application.

Christmas Loans

Loan Calculator

Apply for a loan today with interest rates that suit you!

Type of Loan

Maximum Loan Amount :
Maximum Loan Term :

Amount you would like to borrow

Term of Loan (in months)

Repayment Frequency

APR
42.6%

# Repayments

Total

Apply for Loan

APR
42.6%

# Repayments

Total

Apply for Loan

APR
42.6%

# Repayments

Total

Apply for Loan

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary. New applicants may be eligible to apply for loans up to £500. Once the conditions are met, additional loans may be granted, up to a maximum of £1000.

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A Great Experience

Been with these guys since 2016, and I've always had such a great experience with them. Extremely helpful and friendly! Being able to have a loan and save at the same time is a blessing its...

Fast Service

I applied and was sorted very quickly by Abbie, have no faults at all a great way to save and interest rates are amazing. Much better than door step pay day loan companies. Abbie was very h...

Saving & Borrowing

I’ve been saving with SMC for over a year now and I’ve recently arranged some lending through them. Abbie was exceptionally professional, assessed my case taking into consideration all evid...

Amazing Service

Thank you, Smart Money Cymru. I cannot fault the service I received from the Caerphilly branch. The application was easy, step by step online; seconds after I submitted the application, Abb...

Amazing Customer Service

Amazing customer service. Quick to try to solve issues/problems. Clear, easy-to-view account.

Saving Made Easy

It’s so refreshing to use a platform that prioritises genuine customer feedback in the financial sector. Using Smart Money People gave me the clarity and confidence I needed to choose the r...

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