* 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.
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:
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!