• Welcome to Smart-Pig.com

    Out of cash until your next student loan? Smart-Pig lets you borrow up to £350 in an emergency.

    Just enter the date of your next loan payment and start your application today.

    Apply Now
  • Life's Little Problems

    We know student money never goes to plan! That's why your Smart-Pig loan is flexible.

    There are No Late Payment Fees for your peace of mind, and you can pay early or top up your loan.

    Apply Now
  • Founded by Students

    We weren't happy about other lenders, so we made our own on our own terms.

    Meet the University start-up with the only short term loans designed just for students.

    Apply Now
  • Time's not Money
    It's Your Future

    We know how busy you are at uni, that's why our application process is quick and simple with the money in your account in 1 hour.

    Apply Now
  • Recommended by Students

    Over 89% of our customers said they would recommend us to a friend at uni and we've got customers from Durham to Dundee and Cambridge to Canterbury

    Apply Now

Representative Example APR 1017% based on credit: £200 for 56 days. Interest: £89.60. Interest rate: 292%pa (fixed). Total to repay: £289.60


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The best loan company on the net without a doubt.

– Mohammed

Thank you to everyone at Smart-Pig, it's almost unbelievable to see...

– Zakk

Same-Day Loans for Student Emergencies

Smart-Pig.com 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.

Smart-Pig was a finalist for Alternative Lender of the Year 2014 and 2015, and was the first short-term lender to be authorised by the Financial Conduct Authority in the UK in August 2015.

Why We're the Best Choice

  • No late payment fees or hidden charges and a 10-day grace period in case your student loan is paid late.
  • A lower interest cap than other lenders - never owe more than half what you borrow, even if you run into trouble.
  • No rollovers - our short term loans don't turn into long term ones.
  • Top up, extend or pay back early from your online account.
  • Founded by Students for Students - no other lender knows student money like we do.

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 we stop charging interest 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.

Loans Paid in 1 Hour*

Approved loans are paid within 1 hour of application, *Monday-Friday 9am-7pm, Saturday-Sunday 10am-6pm.

Please ensure you can be contacted in case there is a problem with your application.

Student Payday Loan Alternative

Smart-Pig private student loans are a student payday loan alternative, rather than payday loans, because our pricing, loan terms, tangible ethical safeguards and internal 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 instant cheap loans for students with a UK student loan.


Late repayment can cause you serious money problems. For help, go to: www.moneyadviceservice.org.uk

Your University may be able to offer financial support and advice.