£350 can get you through those long, Student Finance-less summers...

We 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). Find out more about how our short term student loans work here.

Even at our maximum £350 loan for 6 months, it 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 installment (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. A quick £350 loan 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."

What they’ve said about us

If you have to get a loan, use Smart Pig

Smart Pig is so easy to use and fast! It’s easy to be approved and they allow a grace period. The system is set up with low-interest rates and for short terms so that their clients are more protected than with other loan agencies. I highly recommend Smart Pig.



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Honestly the best loaning website

Honestly the best loaning website for students, there is honestly no way you can get bad credit from using smart pig due to the requirements for you to apply for a loan. They even give leeway with payback time which is so considerate. Have used smart pig for the three years I’ve been at uni and had NO PROBLEMS WHATSOEVER



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Honestly a lifesaver

Honestly a lifesaver, as a student when you apply for accommodation you usually have to pay some rent for August, before you get student loan. This can always be difficult to raise if you don’t have a job and having an option for a loan is so useful and what you pay back is pretty decent.



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Excellent customer service

Excellent customer service, quick and easy too use and low-interest rates. Perfect for students. I am very happy with this service and will definitely be using them again



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Amazing Idea!

As a student, you can't get a standard loan and student finance will happily watch you starve. This really helped in those last couple of weeks before my student finance loan came in! As long as you pay it back on time it's fantastic and super easy!



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Highly Recommend

Student loan not due for a week & I was desperate for funds to pay month-end bills and for transport. Thank you to smart pig who I found through google just before applying for a rip-off payday loan. The entire process took 30mins (from applying to having funds in my account).



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Need help? Speak to our team

Our customer services team at our UK call centre are on hand to deal with any queries you may have. You can also access your account online 24-hours a day via desktop, mobile or your tablet device.

Visit our Contact Page for more information.

0203 5071 930

[email protected]

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