How Does The Website Work?

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.

Can You Take My Old Bed Away?

Unfortunately we can’t remove mattresses, bed frames, divans or other furniture.

How Should I Prepare For My Delivery?

We recommend that you make sure there is enough space for your new product to go in- however, if you are replacing something that you already have – we recommend that you do not throw away or recycle that item until you have checked that the product you’ve received is correct and in working order.

Do I need to take out insurance for my items?

It is always recommend that everyone has the protection of contents insurance, but you won’t be required to buy it.


Am I eligible for a Loan from Smart Money Cymru Credit Union?  

​You need to be over 18, able to prove your identity and become a member of Smart Money Cymru Community Bank by opening a share account with them. The only other checks we do are to see whether you can afford the repayments. It’s that simple!

I’ve never heard of Smart Money Cymru who are they?

Smart Money Cymru is an ethical savings and loans cooperative based in South Wales, owned by their members – a bit like a building society! They have been around since 1989 and are regulated by the Financial Conduct Authority and the Bank of England. All our savers’ money is protected under the Financial Services Compensation Scheme.

You can find out more by visiting Smart Money Cymru

How much can I borrow?

Smart Money Cymru provides loans up to £15,000, subject to affordability. Use the loan repayment slider to check how much you can afford and then fill out the online application. It’s that simple!

How much does the loan cost?

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.

What information will I need to complete the loan application form?

To complete your application, we will need your name and address, details of your bank account (if you have one) and some information about your monthly income and expenditure. That’s all.

Can I borrow if my credit record isn’t perfect?

As an ethical savings and loans cooperative, Smart Money help people who may have a difficult credit history. If your online application is not approved straight away, don’t worry! We will be in touch with you to get more information about your circumstances and see if there is a way we can get you the finance approval you want to buy your Smart Goods.

Can I buy a second item before I have finished paying for the first item?

Absolutely! So long as you can afford the finance repayments, Smart Money is always happy to help you buy the Smart Goods you need and want when you want them.

Do I have to have a bank account?

​Smart Goods loans are repaid by direct debit from your bank account. But, you don’t have to have a bank account to get a Smart Goods loan. If your benefits are paid to your share account or you are an employee of one of our employer partners saving and repaying your loan through salary deductions, then we can accept repayments direct through your share account. If you don’t have a bank account or you’re not sure about setting a direct debit, you can talk to our Smart Money Customer Services team.


How Much Will Delivery Cost?

Delivery is free on all of our items, so the price you see is the total price of the item.

Why Am I Not Asked To Book Delivery?

We operate a very personal service, so when you order an item, we will ring you to book a delivery time that suits you best. Our standard delivery time is 2-3 days from the acceptance of your application.

When Will I Get My Order?

A loan credit check is normally a very quick process. As soon as this is done, your order will be passed back to us and we will contact you for delivery. You should receive your order within 2-3 days, though that may alter depending on the speed of credit check, stock availability and your ability to receive the delivery.

Any unanswered questions? Contact Us