Refer friends to earn cash!
You can also use Smart-Pig to earn cash for yourself and your friends! When you sign up to Smart-Pig, you'll get your own referral code. You can find this in the "My Account" area once you log in to your account. Share your referral code with your friends and ask them to enter it in the Promotional Code box during the application process.
You and each friend will each get an unlimited £10 for every friend you refer who successfully takes out a loan! For full T's & C's click here.
Smart-Pig loans pricing
Our personal loans for students cost from £2.00 to £5.60 per week per £100 borrowed*. That’s 0.8% interest per day, with the maximum interest you can owe capped at half of what you borrow. There are no late payment fees or other costs.
To borrow £100, a 25-week loan repaying £150 costs £2.00 per week. A 1 week loan repaying £105.60 costs £5.60 per week. Despite the APR (Annual Percentage Rate), our loans don’t cost thousands of percent in interest - you can read more about APR here.
Created by students, for students
Smart-Pig was created by students after one of our founders had a bad experience with a payday loan. We decided students needed an alternative designed just for us. Unlike other short term lenders, we have been specifically designed for students.
Smart-Pig made our first personal loans for students from a university bedroom in 2012. Any UK student with student finance, SAAS finance or any NHS bursary can apply for one of our quick, instant loans. We also offer short term loans for postgraduate students, so if you're already a graduate and want to keep studying, we are still here to support you.
We do everything we can to ensure we can lend to all types of students, whether you're an international student, a student nurse or a mature student studying anywhere in England, Scotland or Wales.