For loans over £3,000

John Thomson
John Thomson
30/03/2021
Verified
Very good and great customer service 👍
Sharon Davies
Sharon Davies
29/03/2021
Verified
I’ve been with South Manchester Credit Union for just over a year. The staff are amazing, very helpful and professional. They are always happy to help. The Nivo app is very good and any messages are answered swiftly. I would happily recommend them to anyone.
miss mcmillan
miss mcmillan
26/03/2021
Verified
Absolutely fantastic!! communication is brilliant get your money exactly when you need it! I couldn’t do Xmas now without it. Been a member for years and it’s honestly the best thing Iv ever done! Peace of mind takes the stress off Xmas and other unexpected financial problems!
Alison Kilbride
Alison Kilbride
26/03/2021
Verified
These guys are great they go above and beyond for customers keep up the great work guys 👍
Lena Brookes
Lena Brookes
24/03/2021
Verified
Always helpful and response is great and fast

Get Smart with a Smart Loan

For borrowing over £3,000 we offer a Smart Loan. 

You can apply to borrow £3,000 – £15,000.

We will assess your finances and perform a credit check.

The annual interest on our Smart Loan is 13.2% (APR 14%) on the reducing balance. This loan cannot be refinanced and is not linked to savings. 

A Smart Loan can be the answer to those more expensive goals that you’ve been planning for a while.

This is how it works...

Download the app

We have a fast and secure messaging app you can do everything over. Whether it’s joining, making a withdrawal or applying for a Smart Loan – it can all be done over Nivo.

Open your account

If you’re already a member, you don’t need to worry about this part.

If you’re not, we’ll need to open your account which will only take a couple of minutes.

7 simple steps

Once your account is set up, we can move onto your loan application.

We’ll walk you through 7 simple steps. We ask you about your income and credit history as well as finding the right level of repayments to suit you. 

Loan goes for assessment

Once the steps are complete – your loan will go forward for assessment.  

We ask that you allow up to 5 working days.

We're good to go

Once our assessment is complete and if your loan is approved – we’ll send over the terms of the loan that we are offering to you.

If you are happy to accept, then go ahead and sign. 

We have an agreement.