£350 Loans for StudentsWe spent many years, plus plenty of blood, sweat and tears, to create a lending business that would work to help students and not tangle people in a vicious cycle of debt. We are deliberately and consciously an ethical lender for students (yeah, we really do mean that!).
Why? For a start, a £350 loan is the most that we offer at Smart-Pig, and 6 months is our longest term. We weren’t looking to create an opaque system full of complicated language that disguised any nasty surprises or hidden costs, which is why you can see clearly how much a loan with us will cost you.
Our interest rates are capped at 50% of the amount you borrow (they don’t start at that, it won’t cost you an extra 50% if you’re only borrowing for a short period of time).
Even at our maximum of £350 for 6 months, this means you’d owe back £525 - there aren't any hidden fees or late payment charges, and you can set the repayment to come out of your account automatically on the day you’re expecting your next student finance instalment (and if that’s delayed, there’s a 10-day grace period too - just make sure you let us know what’s happening).
When you know you’re so close to the security of your next grant or student finance loan, borrowing from Smart-Pig can get you through those last few days. £350 may be just what you need to get back to university, luggage in tow, and in the right head space for the new term - panicking never helped anybody, after all.
Check out Smart Pig loans, and see if we can give you a hand.
You Might Need A £350 Loan For…
…getting you through the holidays (especially the longer summer break). If you have some serious amounts of work and/or revision to do, a part-time job might not be a good idea - or even possible for all of a few weeks.
Don’t Just Take Our Word For It…
"Great service for struggling students. This service is fantastic - it saved me from having no money from high rent instalments at uni, money was always in on time and they work pay dates in with student finance dates so that you can pay them back on time. The only thing I would say is that students should use it as a last resort as the interest does mean you can get into the habit of borrowing."