Rating based on 28 reviews

Smart Pig


  • Student loans up to £350
  • Low-interest starting from 448%
  • Repayment up to 180 days

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Smart Pig homepage

Author Smart Pig. Screenshot of Smart Pig website. [Accessed September 12, 2019]

About Smart Pig

Smart-Pig lets you loan up to £350 until your next student loan, fast and simple. Our grace period, interest cap and ethical promise make us student’s first choice for short-term loaming as an option to payday loans.

We offer loans to students. Because our loans are designed for students, the fact that you do not own a home or have a full-time job will not affect your application. We only loan small amounts because as a student you have a low income and the amount you can loan is linked to how much you are getting for your student loan, to make you still have a lot of money for the next term.

How much it cost

Smart-Pig Loans cost 0,8% per day. Loan interest is added to the balance on a daily basis and automatically stops at 50%. If you pay back early, you will only pay interest for the days you had the loan.

We are devoted to responsible lending

We do our best to provide ethical rates and ethical terms. We take proof of income and check your other credit obligations to make sure you can afford our loans. Our loans are for lifestyle and emergencies are not long-term monetary solutions.

We promise to always keep you up to date on your loan, always open and honest and always see things from your point of view. Fundamentally Smart-Pig is here to make students lives easier.

Smart Pig Services

Smart-Pig.com was discovered by students at Warwick and Hertfordshire after we realised needed a better deal when it centres to same-day loans.

Our personal loans for students let you loan up to £350 until your next student finance, NHS bursary or SAAS payment. A Smart-Pig loan cost from £2.00 to £5.60 per week per £100 loaned, depending on how long you loan it for. The loans cost 0,8% per day, but interests stop once this reaches half of what you loaned even if you run into trouble.

Student payday loan alternative

Instead of payday loans, Smart-Pig personal student loan UK suppliers are a student payday loan option because our pricing, loan terms, social safeguards and procedures mean our company walks very different from regular payday loan companies. Our interest cap and no hidden costs make us the best alternative when it comes to fast instant loans for students with a UK student loan.

How are we different?

  • No late payment fees- we know what it’s like to be paid late by the student loans organisation, so there are no fixed late fees. Ten-day grace period- if your student capital hasn’t arrived on time and your loan repayment failed, you will automatically enter the 10 day grace period.
  • 50% interest cap- Even if you run into trouble with your loan, it will never cost more than 50% of what your loan. This is HALF of the 100% cap most other online loaning organisations are allowed to charge.

Smart Pig Product Details

  • Loan Type Student loans
  • Interest Rate from 448%
  • Loan Amount up to £350
  • Repayment 1 day to 180 days

Summary of Services

  • Personal Loans
  • Student Loans

Smart-Pig has the right loan right for you

We may provide the best short-term loan service for students online, but before taking out a loan with us it is worth thinking whether a Smart-Pig loan is the right solution for you.

Depending on the terms of your bank account overdraft or credit card, you may find other alternatives to be cheaper or more flexible. Your university may have a Hardship Fund and be able to offer short term monetary support in the form of a loan or grant.

How our short term student loans work

Smart-Pig was launched why students concerned about how they were being treated by short-term loaners. Our student loans are designed to be a safer form of lending compared to other short-term loans or payday loans.

We trust our consumers to have fully informed themselves of the other alternatives that may be available to them before using Smart-Pig. Whilst we can’t provide advice for every situation, the Consumer Finance Association has offered some useful guidance about payday loans that may help.

We cater for student budgeting

Everyone has moments when things don’t go according to plan, but if you don’t have a plan, things are definitely going to get hairy. You are always going to run into difficulties if you don’t budget at University. We’ve collected some of the best budgeting guidance on the net, just for students.

Founded by students

Smart-Pig was designed by students for students after one of our originators was treated badly by a “pay-day” loaner. No -one understands student loaning as we do.

Customer Reviews & Testimonials

January 2019

There are no late payment fees. How convenience is that!

Berger W
— Eidinburgh —

July 2019

I received the amount on the same day of the application

Benjamin H
— London —

November 2018

Interest rates are low and affordable

Blake A
— Oxford —

Smart Pig Contact Details

Contact Number

  • not available


  • not available


Physical Address

  • 3 Jephson Court, Tancred Cl Royal Leamington Spa England CV31 3RZ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 20:00
  • Tuesday 09:00 – 20:00
  • Wednesday 09:00 – 20:00
  • Thursday 09:00 – 20:00
  • Friday 09:00 – 20:00
  • Saturday 10:00 – 18:00
  • Sunday 10:00 – 18:00