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Ethical, affordable loans for people who live or work in Wales. Smaller loans from £100 – £1,000, along with larger loans up to £15,000.

With interest on the decreasing balance, no early repayment charges, online applications and fast decisions, our ethical, credit union loans benefit you and your community.

Whether it’s a new car, home improvements, a family holiday or a special event – whatever you need money to do, our financially sympathetic team will always treat you as a person – not just a credit score. As financial co-ops, credit unions have no external shareholders, which means we are run for our members – the people who save and borrow with us.

Bridgend Lifesavers Credit Union

Covers the following region(s):

Bridgend

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Cambrian Credit Union

Covers the following region(s):

Brecon | Conwy | Denbighshire | Flintshire | Gwynedd | Isle of Anglesey | Powys | Wrexham

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Cardiff and Vale Credit Union

Covers the following region(s):

Cardiff | Vale of Glamorgan

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Celtic Credit Union

Covers the following region(s):

Neath Port Talbot | Swansea

Credit Unions of Wales member: No

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Dragonsavers Credit Union

Covers the following region(s):

Rhondda Cynon Taff

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Gateway Credit Union

Covers the following region(s):

Monmouthshire | Torfaen

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Merthyr Tydfil Borough Credit Union

Covers the following region(s):

Blaenau Gwent | Caerphilly | Merthyr Tydfil

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Newport Credit Union

Covers the following region(s):

Newport

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

SaveEasy Credit Union

Covers the following region(s):

Carmarthenshire | Ceredigion | Pembrokeshire | West Glamorgan

Credit Unions of Wales member: Yes

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Smartmoney Community Bank

Covers the following region(s):

Blaenau Gwent | Brecon | Caerphilly | Cynon Valley | Powys

Credit Unions of Wales member: No

Small Loans (up to £1,000)

Apply for a Small Loan

Large Loans (up to £15,000)

Apply for a Large Loan

Members’ feedback

I cannot praise the Vale and Cardiff & Vale Credit Union staff members enough, they are excellent.
The credit union - over a period of 10 years - has helped me get rid of all my debts and I now manage my money better and borrow for home improvements or holidays while saving at the same time - winner!
When was at my lowest ebb (the credit union) helped me to see a way of saving. Keeping savings intact while borrowing helped me feel less stressed as at the end of loan I still had savings – amazing!

There may be a credit union in you area that are not part of Credit Unions of Wales – Click here to find you nearest branch