The CNCU Smart Loan offers affordable borrowing for any purpose, such as car repairs, school trips or household goods. Smart loans are short-term loans that allow you to borrow up to £750.


  • Loans available from £150 to £750 depending on income and affordability
  • Interest rate is 3% per month (42.6% APR)
  • Loan terms from 6 to 12 months
  • Make extra repayments and clear your loan early with no charge
  • You must be over 18 years to apply

Apply for a Smart Loan

Please complete and return the Loan Application Form or Contact us for more information.

All loans are subject to status and our lending criteria.