Tenancy Saver Loans

How much do you want to borrow?

£1000 £5000
Over how many months?
12 Month60 Months
At a maximum representative APR of the most you will pay will be per Month.
Cost of loan interest: - Maximum total you will pay:

Are you a private rented sector tenant?

Has Covid-19 left you struggling to pay your rent?

You could be eligible to apply for a low interest loan from a Credit Union – with up to five years to pay it back.

The Tenancy Saver Loan Scheme may be able to help you if Covid-19 has caused you to be in rent arrears.

The loan will be paid directly to your landlord or agent which will remove the threat of eviction.

Complete the enquiry form below and a friendly Credit Union adviser will take you through the application process for the loan*.

* All applications for a Tenancy Saver Loan will be subject to usual credit union affordability checks and eligibility does not guarantee your application will be successful.

If you are not eligible for a Tenancy Saver Loan, you can still obtain free, confidential support through the Private Rented Sector Helpline at Citizens Advice Cymru on 0300 330 2177 where you can discuss what other options may be available to you.

Start your enquiry

    Before completing the enquiry form please tick the boxes below to confirm that:

    You are a tenant in Wales
    You are a private rental sector tenant OR you are a social rental sector tenant who pays near to market rate levels of rent
    You are receiving a regular income
    You are in rent arrears from 1st March 2020 because of the Coronavirus pandemic
    You are not in receipt of housing benefit or housing cost payments through Universal Credit
    You were not in significant rent arrears, e.g. 8 weeks or more of rent arrears, before March 1st 2020
    You have not applied and received a loan through another loan provider through Tenancy Saver Loan for the rent arrears in question

    For further information, or to download a printable flyer, please use the following contact information to access your relevant credit union:

    Bridgend Lifesavers

    Tel: 01656 729912
    Covering: Bridgend, Neath Port Talbot, Swansea


    Tel: 0333 2000 601
    Covering: Anglesey, Ceredigion, Conwy, Denbighshire, Flintshire, Gwynedd, Pembrokeshire, Powys, Wrexham

    Cardiff & Vale

    Tel: 02920 872373
    Covering: Vale of Glamorgan, Cardiff


    Tel: 01443 777043
    Covering: Rhondda Cynon Taf


    Tel: 01495 742500
    Covering: Torfaen, Monmouthshire


    Tel: 01633 214913
    Covering: Newport

    Smartmoney Cymru

    Tel: 02920 883751
    Covering: Blaenau Gwent, Caerphilly, Camarthenshire, Merthyr Tydfil

    No early repayment charges

    Sorry you are not eligible for this loan – applicants must fit all criteria above to apply.
    Please contact the Citizens Advice Cymru Private Rented Sector helpline on 0300 330 2177 for advice on your tenancy.


    Latest News



    Drwy ddod yn bartner cyflogres, mae cyflogwyr yn cefnogi lles ariannol eu staff trwy eu hannog i achub neu fenthyg yn gyfrifol. http://ow.ly/YmKr30rKKTj #credydigymru

    150+ organisations in Wales have #payrollsaving schemes with their local #creditunion but we need more employees to sign up. Help us reach them! http://ow.ly/roOw30rKKRa #yourebetteroffwithus #credit2Wales #credydigymru #payrollpartner

    Mae gan undebau credyd fwy na 150 o bartneriaid cyflogres yng Nghymru – cyflogwyr sy'n blaenoriaethu ymrwymiad i les ariannol staff a'u cymuned trwy gynnig y gallu i'w gweithwyr dalu i gynilion a benthyciadau undeb credyd yn uniongyrchol o'u cyflog. http://ow.ly/Motx30rKKVW

    See us on twitter