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  • How do I apply for a loan?
    To apply for a loan click here: If you would like to learn more about our loans, read here.
  • How much can I borrow?
    You can borrow between £200 minimum and £15,000 maximum. The minimum repayment period is 3 months and maximum 60 months.
  • How do you assess loan applications?
    We're primarily looking to see if the loan would be affordable for you and whether the creditworthiness of the applicant is within our risk appetite. We use a variety of information sources in order to make a decision on a loan application such as; information that you provide, information that we hold about you, information and analytics from our open banking provider and from credit reference agencies.
  • Do you perform credit check?
    We reserve the right to carry out a credit search on any loan application. You must consent to a credit search in order to apply for a loan from CLEVR Money.
  • I am unemployed. Can I pay back my loan from my benefits?
    We do offer loans to unemployed people. If you meet our lending criteria, we will consider your application. We can accept payments via a variety of benefits, for both savings and loan repayments. We'll discuss repayment options with you if your application is successful.
  • Can I take another loan when I already have a loan?
    We may be able to offer a top up loan or a second loan, subject to lending criteria and status. If you have very recently taken out a loan from us, or still have a large balance owing, it is unlikely that we will be able to offer additional finance. We'd advise you to contact us if you already have a loan with CLEVR Money and need to borrow more, to see what options are available to you.
  • How can I consolidate my debts?
    Debt consolidation consists of taking out one loan, which covers all of your current debts, turning multiple repayments into just one. This may involve personal loans, credit cards and other unsecured debts. The aim is usually to make managing your debt easier, by having just 1 monthly repayment, which costs less than the multiple debt repayments that you were paying. It is important to carefully consider whether debt consolidation is right for you, as it may end up costing you more than repaying your debts separately.
  • I have bad credit, can I apply for a loan?
    The term "bad credit" is subjective. We have lent £millions to subprime borrowers and continue to specialise in this area; if you feel that you could afford the repayments and you meet our criteria, feel free to apply. We won't lend to you if you are in an IVA, DRO or Bankruptcy. If you are in debt management, you should speak to your debt advisor/insolvency practitioner if you think you need to borrow money.
  • Can I have a car loan?
    We offer unsecured personal loans for the purpose of a car purchase. This is different than secured car finance, where the debt is secured against your vehicle. With our car loans, we pay the money into your bank account, leaving you free to shop around and purchase your new or used car from any seller you wish.
  • Can I have car loan on benefits?
    Yes, you can apply for a car loan if you are in receipt of benefits. All loans are subject to affordability and creditworthiness assessments.
  • Can I take a business loan?
    No, we do not offer business loans.
  • How can I pay through my salary?
    If your employer is a payroll partner, you can repay via payroll deduction. Please note that most employers will not process deductions for casual or bank staff. In this situation, we will arrange an alternative repayment method with you.
  • What happens if I cannot repay my loan in time?
    Call 01253 478390 or email to request a call back. If you think that you will be unable to make your loan repayment in time, or you are experiencing financial difficulty, it is important that you contact us as soon as possible. We will work with you to find a solution. Ignoring the problem is the worst thing that you can do, call us on 01253 478390 for support now. Additional support is also available on our member support page.
  • How can you keep low interest rates?
    Our rates are capped by the government and cannot exceed 3% per month. As a not-for-profit organisation with no external shareholders, we work for the benefit of our members. We believe that it is beneficial to our members to charge fair and affordable rates on our loans.
  • Why was my loan application rejected?
    There are multiple reasons why we may decline a loan. Most commonly, it's because we don't think it is in the applicants best interests, or it's not within our current risk appetite.
  • Why do you need my bank statement when I apply for a loan?
    We are a responsible lender and we need to ensure that the new loan will not create financial difficulties for you. The loan assessment includes affordability checks; we use the transaction data to verify the information that you provided on the loan application. We will request that you connect your account/s via our open banking provider, Planky to do this. We will only request a bank statement from you if we are unable to gain all of the information that we need via our open banking provider, Planky.
  • How long does it take to be approved for a loan?
    We want to get a decision ready for you as quickly as possible; usually within 2 working days. Following our instructions means that you will get a decision in the shortest amount of time, so make sure you connect all of your accounts via our open banking provider Planky when directed and email us your pay slip if we ask you for it. If we try to contact you, but are unable to speak with you, contact us back as soon as possible on the number that we leave. We probably have a question that we need your help with, in order to finish off the loan assessment. If we struggle to get in contact with you, your application will be moved to the bottom of the queue. If we don't get the information that we need within a reasonable timeframe, we will reject the application without assessment.
  • How to check my loan balance?
    Login to your online account to view the balance of any savings and loan accounts that you hold with CLEVR Money.
  • What happens if I become unemployed and cannot pay my loan?
    Call 01253 478390 or email to request a call back. If your circumstances have changed and this will impact your ability to repay your loan, or you are experiencing financial difficulty, it is important that you contact us as soon as possible. We will work with you to find a solution. The worst thing that you can do is ignore the problem, call us on 01253 478390 for support now.
  • Why can I not apply in person?
    To apply for a loan from us, you need to use our online application process. This allows us to gather all of the information that we need to make a decision on your application and reduces processing times, so our members receive decisions as quickly as possible. If there is something specific that you need assistance with during your application, contact customer service for help.
  • What is credit union? How does it work?
    A credit union is a member-owned, not-for-profit, financial co-operative. The members save money together and loans are made to members at low interest rates, from the pooled funds. Lots of credit unions are locally assigned. Everyone can find their local credit union here. How it works: People join credit unions, opening saving accounts that they save in regularly. Then the saved money is used to loan out to people in need of loans. Borrowers repay their loans with a small amount of interest. After the end of the financial year any surplus funds can be shared by members as a dividend, reinvested in the company and invested in the community.
  • Where to find my local credit union?
    Search for your credit union here.
  • What are the costs of a credit union?
    Credit unions are free to join and start saving. We charge affordable interest rates on our loans, which have no hidden costs or early repayment charges. Our fees are outlined in our terms and conditions. The collected income covers the companys operational expenses. After the end of the financial year any surplus funds can be shared by members as a dividend, reinvested in the company and invested in the community.
  • Why does no one answer the phone?
    We don't operate a call centre and do not recommend that you call us, unless we have asked you to. For a quick response contact us via email If you feel that you need to speak with a member of staff and there is no answer, you can leave a voicemail by calling customer services.

Supporting Collaborators

Image by Nico Smit
The Big Food Truck

Working to take the cost out of living

The BIG FOOD Truck is available for everyone to join.

As a member you can get 3 bags of food shopping for £6.50 or a single set for £4 saving £££’s on your food bills.

The food changes each week but will always include -

1 bag of cupboard items, 1 bag of fruit and vegetables and 1 bag of frozen items.

We use surplus food from supermarkets and food manufacturers which will have otherwise gone to landfill so you will be doing your bit to save the planet too!

We have 3 hubs open with more to come.

To register, text your name to the hub you would like to join.

@theGrange Monday 1.30-2.30PM - 07378905676

Blackpool Football Club Tuesday 2-3PM - 07908663674

Layton Methodist Church Thursday 2-3PM – 07378905774

For more information visit our website –

We look forward to seeing you soon.

Blackpool Food Bank

We are a distributor providing various food options to over 100 partner organisations across Blackpool, Fylde and Wyre. We are proud to have a dedicated team of volunteers who help us
fundraise, collect and distribute your donations to those most in need. 

If you would like to volunteer, donate, or find out more email or visit our website

Swimming with Shark
Stop Loan Sharks

Call On 0300 555 2222

To Safely Report A Loan Shark

Stop Loan Sharks investigates and prosecutes illegal money lenders and provides support for borrowers in the UK. If you have borrowed from a loan shark or are worried about someone else, we’re here to help and keep you safe.

Blackpool Council Logo
The HealthWorks

This is where you can pick up new skills or get help figuring out what next step in your life will be. 

Empower yourself with any of their courses, get the help you need to stand back up on your feet. It is free to enroll.

It is aimed at supporting inactive residents with three months of employability support such as- job searching, creating CV’s, interview techniques and courses and much more.

The criteria for New Start is as follows:

  • 25+

  • Not in current employment

  • Blackpool resident

  • Not on any other work programmes

It is a free employment service with 3 months support from a dedicated advisor.

Go find out more, just pop in at The HealthWorks, 1 Clifton Street, FY1 1JD.


Take control over your energy bills. 

This is a project to help Blackpool residents to save on bills by either advising or providing physical improvement to increase energy efficient homed. 

This project is funded and free to consumers.

GREEN DOCTOR for more information and send your application.

Fish and Chips
Comfort CAFE

Comfort C.A.F.E. is a faith-based group based in Blackpool that runs drop-in sessions at St. Thomas’s Church on Caunce Street each Tuesday from 11-12:30 for local people who are homeless or in need. They changed their name from New Comfort Zone in April 2022 following an 'Awayday' at which they discussed their future plans.

Are you a charity, help charity, work with charity? Do you need to reach people in need? This is your space. email for details. 

It's free of course.

Still need help? Contact us!

Please email us at:

We usually reply within 24h (Mon-Fri)

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