Kick-Start Your Smart-Pig Student Loan

Next student loan payment due
How Much?
For How Long?
Borrowing £100.00
Until 6th February 2016
+ Interest & fees* £50.00

Total to Repay : £150.00
We Know Student Money

Same day short term loans designed by students, just for students.

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Help of up to £350 until your next student loan
No Late Fees and 10 Day Grace Period
No late payment fees, no hidden charges, and a 10-day grace period if your student finance arrives late.
No Late Fees and 10 Day Grace Period
Lower Interest Cap than Other Lenders
Regardless of loan duration, we will never charge more than half what you borrow - ever. That's half what similar lenders are allowed to charge.
A Lower
Interest Cap
Quick Payment
Once approved, your loan is usually paid into your account within 45 minutes - and often much quicker! Loans are paid 9am-9pm every day.
Same Day
Trusted by Over 50,000 Students
We've got your back! Students have used us from Canterbury to Cambridge, and from Oxford to the Open University.
Trusted by Over 50,000 Students
Find Out More
Loans for Students - How it Works
Step 1
Complete the application process
Step 2
Loan approved and paid
in up to 90 minutes
Step 3
Repay the loan using your
next student finance income
Short Term Loans for Student Emergencies
From £2.00 to £5.60 per week per £100 borrowed was created by students at Warwick and Hertfordshire after we realised students needed a better deal when it came to same-day loans. Our personal loans for students let you borrow up to £350 until your next UK student finance, NHS bursary or SAAS payment.

How Much Does it Cost?

A Smart-Pig loan costs from £2.00 to £5.60 per week per £100 borrowed*, depending on how long you borrow for. The loans cost 0.8% per day, but interest stops once this reaches half of what you borrowed - even if you run into trouble. There are no other fees or late payment fees.

*A 25 week loan of £100 repaying £150 costs £2.00 per week. A one week loan of £100 repaying £105.60 costs £5.60 per week.

Student Payday Loan Alternative

Smart-Pig personal student loan uk providers are a student payday loan alternative, rather than payday loans, because our pricing, loan terms, ethical safeguards and procedures mean our company works very differently from typical payday loan companies.

Our interest cap and no hidden fees make us the best option when it comes to quick instant loans for students with a UK student loan.
See How Smart-Pig
Came To Be...

Watch our short film to learn more about our humble beginnings
Don't Just Take Our Word For It...

What a Few People Have to Say About Our Service

Kvaun Wilson
University of Brighton

"Smart-Pig is awesome! I get loans of a few hundred quid just when I need it and don't have to worry about paying it back in a week or two, because I pay it back on my next loan due date. Simple!

Honestly the cap on the amount you pay back makes the loan amazing, you don't have to worry about it climbing and more over the grace period too. Don't get me started on that. Having a grace period makes things stress free knowing that even if your student loan is late, smart-pig will be patient about it."

Tom Cryle
University of Birmingham

"Very good service. Everything is explained easily and simply. All is clear and you receive the funds when they tell you. Excellent text service to remind of a payment.

The maximum amount of a loan is set at £350, which isn't too high and is safe for students as most would take more than that is available which would leave them in a worse situation when student finance comes. Great service, will struggle to make improvements.
As for the product, it's quick, simple and easy to complete and the process is exactly what it says."

Hene Da Silva
University of Warwick

"I'm so glad I found Smart-Pig loans. It's quick and simple to use and very reliable. I have used them plenty of times and I have no negatives to say.

Its an excellent service and is straight to the point. When I apply for the loan the money is in my account in no time.

The website I very easy to use and they are always available. When I need to call or email them, they respond pretty quick. I'm so glad there is a service like that for students in need of money in an emergency. Highly recommend."

Warning: Late repayment can cause you serious money problems. For help, go to:
Your University may be able to offer financial support and advice.
Representative Example: £250 loan for 87 days. Interest 292% p.a. fixed. Total to repay £375.00. Representative 448% APR