The Credit Union for people living in Caerphilly, Blaenau Gwent and Newport.

t: 029 2088 3751 e:

Smart Loans

Loan Calculator

Loan Product

Borrowing Value

Minimum borrowing is yoyo - Maximum borrowing is yoyo
Term In Months

Minimum term isyoyo months - Maximum term is yoyo months

Calculator Result

Representative APR
Annual Percentage Rate

Monthly Repayments
monthly repayments

Loan Amount
Total Cost of Credit
Total Due

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* The interest rate you pay, and the amount you are able to borrow may vary depending on your saving and loan record with the credit union.

* All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authorative or legally binding.

* All information contained on this web page is correct at time of publishing. The Credit Union accepts no responsibility for errors due to changes in rates or offers which have occurred after this date. You are advised to check with our offices for up-to-date rates and offers.

You can apply for a Smart Loan for almost any purpose including a new car or a holiday and you can apply for up to £7500   


Why borrow from a credit union?

Here at Smart Money Cymru we lend responsibly - we will never encourage you to borrow more than you could comfortably afford to repay. We charge a maximum interest rate of 3% per month on a reducing balance depending on your circumstances.

Unlike many other financial organisations credit unions exist to serve their members and do not seek to make a profit out of them. There are a number of reasons why borrowing from your credit union is a good option.  

  1. Competitive rates
  2. Loan protection insurance is included at no extra cost
  3. No hidden charges or penalties
  4. Repayment rates are tailored to meet your circumstances
  5. Repayments are calculated on the reducing balance of the loan. This means smaller interest payments as you repay the loan 

Think before you borrow

Whether you need to borrow money to get you through a difficult period or to help you afford a treat for you and your family, you need to be careful when choosing credit. Think about the following: 

  1. Can you afford the repayments?
  2. How much you will have to repay in total?
  3. How many repayments do you have to make?
  4. What happens when you miss a repayment?
  5. Is there a penalty if you repay early?

As you make your loan repayments we encourage you to save as well. So, by the time you have paid off your loan you will have increased your savings too!

Smart Money Cymru Credit Union, 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

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