Our New Flexi £500 Loans

At Cardiff and Vale Credit Union, we understand that life doesn’t always go to plan. Whether it’s an unexpected bill, emergency car repairs, school costs, or simply needing a little extra support before payday, accessing money quickly and safely can make all the difference.

That’s why we’re proud to introduce our new Family Flexi £500 Loan and Payroll Flexi £500 Loan, designed to give members access to affordable borrowing when they need it most.

Safe, Affordable Borrowing When You Need It

Our new Flexi Loans offer up to £500 to help members manage short-term financial pressures without turning to high-cost payday lenders or illegal loan sharks.

Too often, people facing urgent expenses feel they have nowhere else to turn. At Cardiff and Vale Credit Union, we believe everyone deserves access to fair, ethical finance from an organisation that genuinely cares about their wellbeing.

These loans are designed to provide:

• Quick access to smaller amounts of money
• Affordable repayments
• Fair and transparent lending
• Support from a trusted local organisation
• A safer alternative to high-cost borrowing

What are the Flexi Loans?

Family Flexi £500 Loans

The Family Flexi Loan is designed for members who receive Child Benefit and may need a loan.

Whether it’s replacing a broken appliance, covering school costs, managing travel expenses, or handling an emergency household bill, this loan provides a safe and affordable way to borrow up to £500 when it’s needed most.

Repayments are made directly through Child Benefit payments, helping members manage borrowing in a simple and affordable way.

Payroll Flexi £500 Loan

The Payroll Flexi Loan is available to members work for our participating Moneyworks employers.

This loan offers a convenient and ethical alternative to payday borrowing, with repayments taken directly from monthly wages through payroll, making budgeting and repayments straightforward and manageable.

It’s ideal for helping cover unexpected costs or short-term financial pressures without the stress of high-interest borrowing.

Ethical Lending You Can Trust

As a credit union, we are committed to responsible and ethical lending. Unlike payday lenders, our focus is not on profit - it’s on supporting our members and communities.

Every loan application is individually assessed, meaning we take the time to understand each member’s circumstances. We aim to lend responsibly while helping members access finance in a way that is manageable and sustainable.

We know that borrowing can sometimes feel stressful, which is why our friendly team is here to support members throughout the process.

Helping Members Avoid Loan Sharks and Payday Lenders

Illegal lenders and high-interest payday loans can trap people in cycles of debt that are difficult to escape. Our Flexi Loans are designed to provide a safer, more affordable alternative for those moments when money is tight.

By choosing Cardiff and Vale Credit Union, members can borrow with confidence, knowing they are dealing with a trusted community organisation that puts people first.

Find Out More

If you think a Family Flexi Loan or Payroll Flexi Loan could help you, get in touch with us today. Find out more here.

Our team will be happy to talk through your options and help you find the right solution for your circumstances.

Because when life throws the unexpected your way, you shouldn’t have to face it alone.