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Click on APPLY NOW
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Select "Yes" to the question "Are you applying for a £500 No Credit Check Family Loan?"
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Continue filling the form and Submit.
Learn more
Representative example: Borrowing £500 over 12 months will cost £50.23 per month. Total amount repayable is £602.76 which includes interest at 42.6% APR.
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.
You're in good company!
Thousands of members trust us for saving and borrowing.
Over £27 million lent!
Affordable Personal Loans Tailored for You
At CLEVR Money, we understand that financial challenges can arise unexpectedly. As a member-owned community focused credit union, we offer fair and affordable personal loans designed to meet your needs, even if you have a less-than-perfect credit history.
Loan Calculator
Borrow min £500, max £15,000
Pay over min 6 months, max 60 months
Loan Amount
£
Duration
months
Representative Example
Monthly Payment
£
50.23
Representative APR
42.6%
Loan Amount
£
500
Total Repayable
£
602.76
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.
Affordable Loans from People Who Care
When life throws you a curveball, CLEVR Money is here to help. Our loans are designed to meet your needs, not trap you in a cycle of debt. As a member-owned credit union, we offer fair, affordable loans to people in our community.
Why Choose CLEVR Money?
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Low Interest Rates: We keep rates low, so borrowing stays affordable.
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No Hidden Charges: You’ll always know exactly what you’re paying.
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Flexible Repayments: Pay back your loan in a way that suits your budget.
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Bad Credit Welcomed: We have specific bad credit loans such as our £500 No-Credit-Check Loan.
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Flexible Loan Amounts: Borrow between £500 and £15,000, repayable over 6 to 60 months, tailored to your financial situation.
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We Lend to Unemployed People: We take all sources of income into account, including benefits.
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Easy Repayment Methods: As a specialist lender, we know traditional direct debit payments don't work for everyone. We offer Child Benefit payments as a popular repayment method, and Payroll Deduction for employees of over 60 companies.
Who Can Apply?
Anyone who lives or works in our areas can apply for a loan. Even if you have a poor credit history, we’ll do our best to help.
How to Apply
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Click the Apply Now button on the loan calculator and complete our fast and easy online form.
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Connect your bank account to Planky so we can do an affordability check.
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Get a fast decision—often within a day.
Our Loan Products
No Set Up Costs, No Arrangement Fees, No Early Repayment Penalties. Ever.
CLEVR Money offers flexible loans for a wide range of needs.
👍 Here are some of the most common reasons our members borrow:
For Your Home
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Home improvements, such as replacing carpets, redecorating and kitchen or bathroom upgrades.
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Furniture purchases like sofas, beds, or wardrobes.
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White goods, including washing machines, fridges, and freezers.
For Travel and Special Moments
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Holidays and travel, whether it’s a family getaway or a weekend break.
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Weddings and celebrations, from venue hire to outfits and catering.
For Your Family
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Our £500 Family Loan is available with No Credit Check and is repayable via Child Benefit
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School costs, including uniforms, stationery, and trip fees.
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Childcare expenses, making life easier for working families.
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Birthdays, to make make the celebration extra special.
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Christmas expenses; decorations, gifts, food - it soon adds up!
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New baby items, to get the things you need to take care of your baby.
For Transport
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Car purchases, whether new or used.
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Car repairs to keep your vehicle running safely.
For Financial Well-being
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Debt consolidation to combine multiple debts into one affordable payment.
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Spreading the cost of a large bill, making it affordable with a little extra support.
For Unexpected Costs
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Emergency expenses like boiler repairs or unexpected bills.
For Other Life Events
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Medical costs not covered by the NHS.
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Funeral costs
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Special purchases
👎 What we do not lend for:
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Mortgage deposits
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Investing
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Gambling
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Property financing
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Any illegal activity
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Rent or mortgage arrears
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Utility bill arrears
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Day to day living costs
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Business expenses
Eligibility to borrow with CLEVR Money
This information is generic and other criteria will apply depending on the loan applied for.
To apply for a personal loan with CLEVR Money, you must be:
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At least 18 years old.
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A UK resident.
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Have a UK bank account.
Do not apply if:
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You are considering, or are in an IVA, DRO, DMP or Bankrupt.
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We have declined an application from you within the last 3 months.
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You have a loan with CLEVR Money and it is in arrears or default.
You are less likely to be accepted if you:
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Have arrears on a credit union loan.
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Have had any outstanding CCJs within the last 24 months.
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Have missed any repayments on credit within the last 6 months.
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Have had any defaults within the last 12 months.
Other important information:
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Affordability checks apply to all loan applications.
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All loans are subject to status.
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No one has the right to credit; we reserve the right to decline any loan application.
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Terms and Conditions apply.
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Applications may be subject to a hard credit check, with the exception of the £500 Family Loan product.
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CLEVR Money is a direct lender.