Bad Credit Loans

When searching for loans, many students worry that there are no lenders out there that that will give them a chance; especially when they have a poor credit score. But here at Smart Pig, we like to look at things a little differently. We recognise that every student’s circumstances are unique, and that every request needs and deserves a thorough assessment that takes into account these circumstances.

As a company founded by students, for students, our core aim is to simply help our fellow students out, which is why we are one of the select few lenders that will always consider every request, no matter how good or bad your credit score is. We take a holistic approach to our assessments, taking into account not just your credit score, but your personal credentials as well. We feel that every student that comes to us for financial help should have that opportunity.

Our loans are built on foundations of trust between the lender and the lendee, a mutual agreement of repayment upon an agreed date; an idea that is especially prevalent when talking about credit scores. With Smart Pig, our loans are clear and transparent, with all the details of our short term loans available up front and agreed by both parties before the loan is made. We wish to conduct all of our loans with a sense of mutual understanding and respect.

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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Chelle

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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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Bethany

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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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Alex

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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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Olivia

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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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Alice

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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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CRM

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