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Welcome to Our Blog

Smart-Pig.com is the Student Lender launched in 2012 by students at Warwick and Herts uni , in order to give students looking for a short-term loan a better deal.

We are not the same as other short term lenders.  Smart-Pig was actually a spin-off from a protest against short term lending that thought out of the box, rolled up our sleeves and went to head to head with the big ugly giants. One of our founders had a terrible experience with a certain straight-talking lender after they talked his balance straight up to silly levels and sucked his whole student loan away without permission.

Smart-Pig was started partly using one of the government’s fantastic youth Start-Up Loans.  We were a nominated in 2013 for Rockstar Youth Best Overall Business and in 2014 were a finalist for alternative lender of the year.

What we do Differently

  • Grace Period – no extra fixed late payment or penalty fees if you miss you due date, for up to 10 days. Just in case.
  • Safety Net – our voluntary, pre-due interest cap (the first in short term lending)
  • No Rollovers – Our short term loans don’t turn into long term ones
  • Ethical Pledge – the way we treat our customers is never going to change!
  • Founded by Students for Students – no-one knows student money like we do.

Payday Loan Alternative

We see Smart-Pig loans as a payday loan alternative and not regular payday loans, although they do come under the FCA definition.  This is because our company really does genuinely work very differently – especially when it comes to the hidden stuff you don’t really see. It’s all because we were set up as an ethical lender from the ground up, meaning our pricing, loan terms, tangible ethical safeguards and internal procedures all have student’s welfare in mind.

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Winner of our Term’s Rent Competition

It’s been a great term for Smart-Pig.com.

  • We’ve launched our new branding (which can be seen on the London Underground and buses around campus)
  • We’ve grown handsomely and now over 15,000 students from over 120 universities and colleges trust us.
  • We’ve given away an XBOX and also a PS4 plus some Tesco vouchers for your great tips and advice on saving money at uni
  • We’ve been nominated for “Alternative Lender of The Year” and we’ll find out if we’ve won on 8th May!

and now, we can add another accolade, we’ve had so many entries to our Win a Term’s Rent Competition on Facebook and Online. But we finally have a winner, chosen at Random.

So please give your congratulations to:

ROB BERRY of Worcester University. Who has won £1,200.

But we have even more great news, we’ve decided to keep the Win a Terms Rent Competition. Therefore, we will be giving away a Term’s Rent in Cash EVERY TERM :-)

All you have to do to be in for a chance is to like our Facebook Page,

we will pick a winner at random each term.

As Mystic Meg would say, It could be yooooouuuuuuu.

 

TESCO WIN

Tesco Voucher Winners

Thanks to everyone who submitted their Top Tips on saving money at University.

Some of your entries made us really chuckle and just shows how ingenious you can be!

We’re happy to announce that the winners, chosen at random, are:

KATY TOWN

CHRIS ROBB

NAOMI WEIR

JESSICA LUNDHOLM

OLLIE BULL

A £50 TESCO Voucher is on its way to you by post. Well done everyone.

Remember we still have our terms rent competition which you still have time to enter, so hurry!

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We are Finalists for Alternative Lender of The Year 2014!

We’re in the finals at the Credit Today Awards 2014plus we have a £10 Amazon voucher for everyone who takes a loan out from today through to the end of March through Facebook.

CT_Awards 2014_Finalist Logo

Our efforts for ethical, safe, short term student loans have been recognised by the judges at the Credit Today Awards.  Smart-Pig.com have been made finalists for “Alternative Lender of The Year” 2014!!

We’re up against some stiff competition from the likes of QuickQuid, Amigo Loans and Zopa (none of whom have unique policies like our 10-day Grace Period)

We’re thrilled that our safety net, grace periods and the way we do business was recognised for innovation and treating our customers fairly.

To celebrate this fantastic news, we’re giving any Facebook Fan who takes out a loan of £50 or more in March a £10 Amazon Voucher by e-mail. All you need to do to receive your £10 Amazon Voucher is to e-mail rewards@smart-pig.com with your username after you’ve been accepted for a loan. We will then check your account and if you qualify*, we will e-mail you your £10 Amazon Voucher.

The winner for Alternative Lender of the Year will be announced May 8th, so keep everything crossable crossed! Lastly, we would like to say a big thank you to all our customers. We started Smart-Pig.com to give YOU a better deal and we are so proud that after just 2 years, our efforts have been recognised and that we’re head to head with the big boys.

*to qualify:

  1. Loan must be taken out within March 2014
  2. Loan value must be more than £50
  3. You must have liked our Facebook page.
  4. You must e-mail rewards@smart-pig.com after you have been accepted for a loan. In the E-mail you must confirm your Smart-Pig.com username.
  5. New Customers only who have registered on or after 14/03/2014
Red Carpet Pig Render CMYK_opt

We are Finalists for Alternative Lender of The Year 2014!

We’re in the finals at the Credit Today Awards 2014plus we have a £10 Amazon voucher for everyone who takes a loan out from today through to the end of March through Facebook.

CT_Awards 2014_Finalist Logo

Our efforts for ethical, safe, short term student loans have been recognised by the judges at the Credit Today Awards.  Smart-Pig.com have been made finalists for “Alternative Lender of The Year” 2014!!

We’re up against some stiff competition from the likes of QuickQuid, Amigo Loans and Zopa (none of whom have unique policies like our 10-day Grace Period)

We’re thrilled that our safety net, grace periods and the way we do business was recognised for innovation and treating our customers fairly.

To celebrate this fantastic news, we’re giving any Facebook Fan who takes out a loan of £50 or more in March a £10 Amazon Voucher by e-mail. All you need to do to receive your £10 Amazon Voucher is to e-mail rewards@smart-pig.com with your username after you’ve been accepted for a loan. We will then check your account and if you qualify*, we will e-mail you your £10 Amazon Voucher.

The winner for Alternative Lender of the Year will be announced May 8th, so keep everything crossable crossed! Lastly, we would like to say a big thank you to all our customers. We started Smart-Pig.com to give YOU a better deal and we are so proud that after just 2 years, our efforts have been recognised and that we’re head to head with the big boys.

*to qualify:

  1. Loan must be taken out within March 2014
  2. Loan value must be more than £50
  3. You must have liked our Facebook page.
  4. You must e-mail rewards@smart-pig.com after you have been accepted for a loan. In the E-mail you must confirm your Smart-Pig.com username.
  5. New Customers only who have registered on or after 14/03/2014