Halloween On Us: Updated!

Halloween On Us: Updated!

Fancy having a night out on us? Simple, all you have to do is send us a photo of you in your

awesome Halloween costume and the best one will win a prize of £100 cash.

Either send us your photo on Facebook or through twitter. We’re excited to see what you have all come up with.

Winner will be announced at 20:00 today and the money will be transferred instantly for your night out ;)

Good luck!

6 People you will meet this Halloween

The Toilet Roll Zombie

You can guarantee at this time of year someone will have forgotten to get a costume for the party. You will see them at the start rolling themselves in toilet roll and going round asking if anyone has any fake blood left. Usually a hit with the ladies in a club due to an unsurprising toilet roll shortage, it may be cheap and quick but it ends up being a very useful costume, though a miracle if it is still somewhat intact by the end of the night

The Tesco Vampire

The teeth are 40p and the fake blood is £1 – put something black on and they’re ready to go. Once the £1.40 has been factored into the budget the rest has been invested in a pre-drink and enough to get into the club of choice come midnight. You will often see the Tesco Vampire playing beer pong and later on see the teeth floating in the cup. By the end of the night they will look like they went as a goth.

The Doctor Who

They spent along time on their costume, they may have made it themselves or just gone for brown clothes with a bow-tie. Even though they’ll probably be at the party in someones room showing someone a blog on tumblr or either their fan fiction or just some fun images. All pretence is gone when later you spot them drunkly pole-dancing as your mind (and phone camera) finally experiences what a pole dancing doctor who would look like.

The Who are You

The Who Are You has recently been to a convention and has an elaborate costume. You know it’s anime but you can’t quite place it. You see them spending the whole night telling people who they are and outlining the basic on the plot including their opinion on whether the manga or anime is better. Which people will then reply with ‘Do you like Pokemon – that’s anime right?’. This is -unwise.

The Recycler

They have had the same costume for the last 5 years and just keep it handy to save time. They’ll be new at uni so they will slip gently under the radar – until next year where you see them again. You’ll find them at the bar as they know that fancy dress just means drinking in funny outfits and it being acceptable.

The Banter

This is always the person who feels the bravest who is also the most likely to have a beer bong in his hand regardless whether it’s a monday or friday. They could be one or two things, last year they came as Jimmy Saville and this year they’ll probably come as Ebola. Although tasteless this usually causes people to cheer and you usually find them at the bar being bought a steady stream of drinks by strangers applauding their bravery – or stupidity.

To get involved with our Halloween fancy dress competition head over to Smart-Pig Facebook for a chance to win the night on us!

Enter SNOW14 for £25 off your Smart-Pig Loan

Promotion now expired. 

It’s Term 1: you’ve already paid for your bus pass, next year’s rent deposit, all those week 1 reunions parties, and now the chance of a lifetime has come to go on snow tour and get piste.

We loved our student ski tour, but remember that paying for  it left us feeling the pinch and a bit sensitive to other short term money problems until our next student loan arrived in January.  And even once we’d run that gauntlet, running out of money on tour was no fun at all.

To help, we’ve created a code for our site.  Enter SNOW14 during your application to get £25 off your Smart-Pig loan.

Uses of the code are limited and it may be withdrawn at any time. For new customers only.

We are also looking to Sponsor a University Ski Club.  If you are interested get in touch.

781% APR
Amount of credit: £200 for 68 days. Interest: £86.00. Interest rate: 256%pa (fixed). 7% Initial fee: £14.00 Total to repay: £300.00.


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.
  • Interest Cap – our voluntary interest cap is HALF the cap introduced by the FCA
  • 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.

Meet Shalanda, Our Term’s Rent Winner!

On Friday, Smart-Pig founders Tom and Shreiff travelled across London to LSU to meet the lucky winner of our Term’s Rent Competition, Shalanda. Here he is receiving an oversized cheque for £1900 outside London Southbank Uni.

Shalanda, we hope this helps and you have a great spring term at Uni! Everyone else, don’t give up just yet! Our Term’s Rent competition will start again soon, so keep your eyes peeled. It does what it says on the tin, we pick one lucky Liker of our Facebook page and pay for your term’s rent (up to £3500) so you can have the best university experience possible.  There is no need to be a Smart-Pig customer, but you must be a UK student.

What Not To Spend Your Student Loan On

A Ralph Lauren Pushbike

Coming in at around £1,500 this stylish looking bike is a very expensive way of telling other students that you are a plonk. It would be much more cost effective just to daub a four letter word onto your forehead with a marker from Poundland.  And that would only cost a pound.

A Fake Online Degree

£150 for a degree from a fictional university. There are several problems with this. If anyone is bright enough to do a background check on where you got your degree from, you’re going to look a bit silly on your first day as a vet when you’re meant to be doing a triple heart bypass on a turtle. Where would you even begin with that? That’s what real degrees are for.

Dior High-tops

£560 of pure happiness. I am somewhat reluctant to include this as my first immediate thought was ‘can I afford this’ followed by ‘Maybe I can avoid paying rent this month’ which lead to ‘Where’s my debit card’. A few minutes later sanity was restored and my feet still had some old shoes on. Apart from my personal highs and lows involving these shoes, don’t click buy. I haven’t even included a link to save you the suffering the desire for these will surely create.

Commission an Oil Painting of Yourself

Totalling over £2,000, let everyone in halls be fully aware that you’re not someone who will handle their milk being stolen lightly. Nothing says don’t mess with me like an oil painting of yourself hung in a prominent place looking really brooding. If it doesn’t ooze Dorian Grey charm it suggests serious megalomania issues. If your desire is still too strong, nominate yourself for life drawing classes and get paid around £20 an hour to get naked and have a 1st year draw you in charcoal.

Invest in Taxidermy

This is why E-bay can be a dangerous hobby when at uni. You log on just to sell a One Direction DVD someone bought you for your birthday as a joke and around half an hour later or random surfing you come to the conclusion that ‘Why yes, a stuffed badger would look great next to my bed’. You click buy it now, £400 later you have something resembling a moulding stuffed toy whiffing faintly of old cigarettes and formaldehyde sat next to your bed. Even worse, you’re not convinced it’s dead. Forget ever going in your room again and gone are the hope of anybody else entering.

Purchasing a Hoard Of Cats

Your distaste for humanity as well as your need for cuddles has finally come into full conflict. A middle ground as been set upon and you are on the hunt for a cat. It starts by looking a fluffy pedigree cats totalling over £1,000. It then occurs to you how many cheaper cats you can afford for that amount. You contact everyone with a mile radius selling cheap kittens and you begin collecting. By the end of the week your room is overflowing with kittens. But it wasn’t the utopia you dreamed it would be – it smells and you have to sleep with one eye open in case they eat you in your sleep as you can no longer afford cat food.

Loans for Students. Warning: Late repayment can cause you serious money problems. For help, go to: www.moneyadviceservice.org.uk