About Us

Smart Goods have partnered with Smart Money Cymru Community Bank to provide a variety of high quality products, with a credit union loan to pay for them.

Our belief is that everyone deserves to have quality household products: whether this is a new 3-piece suite or a brand new electric cooker, we can give you everything needed to make your life that bit easier.

We deal very closely with manufacturers – commissioning exactly what our customers say they need and want. This way, we know our products are made with quality, reliability and our customers in mind. We’ve been doing this for some time now and love hearing back from customers who’s daily lives have been transformed.

We pride ourselves in this, and our ability to deliver items to you quickly and fuss free and our excellent customer service team are on hand to make sure every customer gets the service they deserve.

It’s simple to go shopping with Smart Goods – you’re just 4 steps away to receiving your goods.

  1. Browse and select your items – Select online from our huge range of household products from some of the leading manufacturers and pop them in your basket.
  2. Complete a short loan application – At the checkout you can choose to apply for a loan to spread the cost of buying the goods. Just determine how long you would like to repay based on the monthly costs.
    You will then be directed to apply for your loan with Smart Money Cymru – please note that you will be asked a series of questions including your National Insurance number. The system will automatically check your identity and undertake a credit score so that you will receive a decision within a few minutes.
  3. Set up your loan repayments and confirm – When approved, you will receive a link to set up your monthly repayment that will be taken directly from your nominated debit card. We will also send you your loan agreement for you to confirm.
  4. Arrange for your goods to be delivered – Finally, you will receive a link to simply confirm you are happy with your order. You’ll receive a phone call from us to arrange your delivery at a time to suit you.

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Monthly Weekly Fortnightly 4 Weekly

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Please Note: These calculations are for illustrative purposes only, actual payments will be confirmed in your loan agreement.

Smart Goods loans are charged at a straightforward 3% per month (APR of 42.6%).

There are no other charges and no penalties for early repayment if you decide to pay off your finance before the end of the loan.

A £100 Smart Goods loan paid off over 12 months will cost you £10.05 per month (total charge for credit of £20.60).

If you’re a new member of Smart Money, you’ll be given you your initial savings deposit to open your share account with Smart Money when you make your first Smart Goods purchase

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