Smart Money Cymru Community Bank

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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.

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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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Council Tax Debt Relief Scheme

If you live in Blaenau Gwent or Newport and are arrears with your council tax, talk to us today. Our no interest debt relief scheme is designed to ease financial pressure by spreading the cost of your arrears into affordable monthly repayments, getting you back on track. Our friendly team is here to help.

Council Tax Debt Relief Scheme

Making Christmas affordable, together

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

Been with SMC since 2016

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 itse...

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 Abbie (Caerphilly branch). The application was easy step by step online, seconds after I submitted the application Ab...

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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.