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Borrow £500

No credit check
Repay via any benefit

T&C Apply

Loan Calculator

Borrow min £200, max £15,000

Pay over min 3 months, max 60 months

Loan Amount




Representative Example

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Representative APR 


Loan Amount



Total Repayable






The figures given above are for illustrative purposes only. The actual interest rates and repayment amounts may vary subject to loan amount and status.

How much do you need?

As a not-for-profit organisation, working for the benefit of our members, our interest rates are affordable. This means that you get low interest rates on your loans. This is your escape from the expensive personal loans, especially if you have a low credit score. Personal loans from us can be a huge game changer for your finances.


Eligibility to borrow with Credit Union

To apply for a personal loan with CLEVR Money, you must be 18 years old and must NOT:

  • Be bankrupt, in a DRO or IVA

  • Have had any outstanding CCJs within the last 24 months

  • Have missed any repayments on credit within the last 6 months

  • Have had any defaults within the last 12 months

  • Have arrears on a credit union loan

What do you need the loan for?

Whether you need a loan to cover an emergency expense such as a car repair, or something more enjoyable such as your summer holiday, we are here to help. We are proud to offer fair and affordable borrowing rates.

No set-up costs
No arrangement fees
No early repayment penalties
Funeral loan
White goods loan
Rent bond loan
Payroll partner holiday loan
Payroll partner personal loan
Wedding loan
Family booster loan
Family loan plus
Payroll partner car loan
Christmas loan
Back to school loan
Doorstep replacement loan
Bicycle loan
New baby loan
Holiday loan
Debt consolidation loan
Home improvement loan
Top up loan (members only)
Personal loan
Car repair loan
New car loan

About Our Personal Loans

At some point, we all need extra money to sort out a necessary purchase, to fulfil a desire, or resolve an issue and therefore we seek a personal loan. 

Finding a personal loan that works for you and is affordable to pay back, is not always easy. You should first seek your local credit union before looking up a payday loan for example. A credit union is a community support system, where people save money together and the funds are lent to members when needed, to escape the high interest and fees on expensive personal loans offered by many commercial lenders.

During economic uncertainty, our credit score may go up and down. This is why we offer bad credit loans; every application is handled individually.  

If you are good at budgeting, but have a bad credit score, you have the chance to apply for a bad credit loan and also a saving account. Building savings whilst repaying your loan is the credit union difference.


If you have multiple debts and you're looking for a long term fix to your situation, contact us for a debt consolidation loan. Together we'll review your situation and if appropriate, set up a plan that works for you, to remove that big weight off your shoulders. A debt consolidation loan means your existing debt are repaid using the new loan. People's lives have changed when they sought a fair debt consolidation loan.

Get your life back with a credit union personal loan with us and take control of your money.

Contact Us

Please email us at:

We usually reply within 24h (Mon-Fri)

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