Affordability checks apply. Loans are subject to status. Terms and Conditions apply.
Do not apply if you are considering, or are in an IVA, DRO, DMP or Bankrupt.
Representative example: Borrowing £700 over 12 months will cost £70.32 per month. Total amount repayable is £843.84 which includes interest at 42.6% APR.
To apply for a Family Loan:
Click "Apply Now" and select "Yes" to the question "Are you applying for a £700 No Credit Check Family Loan?"
Learn more
Join thousands of CLEVR Money members in your community, saving for their futures and accessing affordable loans.
Simple and fair finance.
Over £27 million lent.
Loan Calculator
Borrow min £1000, max £15,000
Pay over min 6 months, max 60 months
Loan Amount
£
Loan Term
months
Representative Example
Monthly Payment
£
100.46
Representative APR
42.6%
Loan Amount
£
1000
Total Repayable
£
1205.52
Duration
12
months
The figures given above are for illustrative purposes only. The actual interest rates and repayment amounts may vary subject to loan amount and status.
Fair and Affordable Loans,
Designed for You
With fast decisions and affordable repayment plans, using methods such as Child Benefit and Payroll Deduction we aim to help as many people as possible.
We’re here for those who may have been turned down by mainstream lenders, with options such as No-Credit-Check Family Loans.
Whether you need a loan for an emergency, home improvements, or just to get back on track, CLEVR Money is here to help.
Save Smarter, Not Harder
Save the CLEVR way
Looking for a simple, safe way to grow your money? With CLEVR Money, your savings are secure, FSCS protected, accessible, and working hard.
Whether you’re saving for a rainy day, a big purchase, or your future, we make it easy to reach your goals.
Start your savings journey, with as little as £10 per month.
Opening a savings account is free and can be done entirely online in just 5 minutes.
Smart Savings and Affordable Loans for Everyday Life
We're here to help you take control of your finances. Whether you’re looking to borrow money affordably or build up your savings, we’re all about putting people before profit. As a community credit union, we’re proud to be owned by our members—which means every decision we make is in your best interests.
What Makes CLEVR Money Different?
Unlike banks or payday lenders, we’re here to support you. When you join CLEVR Money, you’re not just opening an account. You’re joining a community that helps each other grow.
Helping Savers Build a Brighter Future, Supporting Borrowers When It Matters Most.
Why choose CLEVR Money?
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Low Interest Loans: Affordable repayments that fit your budget.
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Bad Credit Loans: Struggling to get approved for credit? We understand life isn’t always straightforward and we offer products specifically for people that struggle to get accepted elsewhere.
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Quick and Easy Applications: Get a decision fast and start focusing on what matters most.
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Flexible Access to Savings: Your money is there when you need it*.
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Ethical and Community-Focused: Your savings support affordable loans for people in your community.
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Trusted by Thousands: Join a growing community of savers and borrowers across the UK.
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Ethical Finance, Always: We focus on our members, not external shareholders.
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Your Money, Your Community: By saving or borrowing with us, you’re supporting your local economy.
*Minimum account balances apply.
At CLEVR Money, we’re more than just a financial provider. We’re a community-focused credit union dedicated to helping savers and borrowers achieve financial success. Whether you’re building your savings or need a little extra support in the form of a loan, we’re here to make your money work harder for you.