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CLEVR Deduct

Smart Loans & Savings, Straight from Your Pay

 

CLEVR Deduct is our payroll scheme, exclusively available to employees of our payroll partners.

 

It gives you an easy, affordable way to borrow and save directly through your wages.

 

💡 What is CLEVR Deduct?

CLEVR Deduct is a payroll-based financial scheme that allows you to:

✅ Borrow up to £1,000 – with no credit check
✅ Repay directly from your wages – no missed payments
✅ Save directly from your pay – effortlessly build up a savings pot
✅ All managed online – quick, simple, and stress-free

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It’s finance that fits your lifestyle — whether you need a little extra help, or just want to start saving with zero hassle.

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🌱 Save While You Work

With CLEVR Deduct, you can automatically set aside money from your salary into a CLEVR savings account. It's the easiest way to:

  • Build an emergency fund

  • Save for holidays, birthdays or Christmas

  • Create better money habits, without even thinking about it

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You choose how much to save — even small amounts each payday can add up fast!

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💬 Why Use CLEVR Deduct?

  • No Credit Score Worries: Loans based on employment and affordability, not credit history

  • Hassle-Free: Set it and forget it — repayments and savings happen automatically

  • Boost Your Financial Resilience: Access funds when you need them, and save for what matters

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✅ Who Can Use It?

All employees paid via payroll are eligible, subject to some criteria. Whether you're looking for short-term financial support or want to start saving with ease, CLEVR Deduct is here to help.

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🚀 Get Started Today​​​​​​​​

💬 Questions?

​​​Email hello@clevr.money

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CLEVR Deduct

Borrow Better. Save Smarter.
Brought to you by CLEVR Money – a not-for-profit credit union, here to support your financial wellbeing.

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Important information about loans

Eligibility to get a CLEVR Deduction Loan

This information is generic and other criteria will apply depending on the loan applied for.

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To apply for a CLEVR Deduction Loan with CLEVR Money, you must be:

  • At least 18 years old.

  • A UK resident.

  • Have a UK bank account.

  • Be working for a CLEVR Money Payroll Partner.

  • Have received wages from a Payroll Partner in the previous month.

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​Do not apply if:

  • You are considering, or are in an IVA, DRO, DMP or Bankrupt.

  • ​We have declined an application from you within the last 3 months.

  • You have a loan with CLEVR Money and it is in arrears or default.

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​Other important information:

  • ​​​Affordability checks apply to all loan applications.

  • All loans are subject to status.

  • No one has the right to credit; we reserve the right to decline any loan application.

  • Terms and Conditions apply.

  • If you apply for above £1,000 you will be subject to a hard credit search.

  • ​CLEVR Money is a direct lender.

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👎 What we do not lend for:

  • Mortgage deposits

  • Investing

  • Gambling

  • Property financing

  • Any illegal activity

  • Rent or mortgage arrears

  • Utility bill arrears

  • Day to day living costs

  • Business expenses

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