Five friends holding snowboards and skies together

Enter SNOW14 for £25 off your Smart-Pig Loan

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 up.

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Uses of the code are limited and it may be withdrawn at any time.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.

Borrowing £250 + Interest & fees* £125.00 Until 21/04/2015

Total to repay £375.00

Representative Example APR 1089%

*Amount of credit: £250 for 56 days. Interest: £98.00. Interest rate: 256%pa (fixed). 7% Initial fee: £17.50 Total to repay: £365.50.


Smart-Pig Header

Welcome to Our Blog 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.


The Great Hamper

It’s that time of year when many students will be  returning to Uni or starting University for the first time.

As we all know it can be a hectic time, we’re giving away a Hamper to a lucky student to help you get settled into digs.

Inside the Hampers, you’ll find:

  • £50 Tesco Voucher
  • £50 Amazon Voucher
  • 1 Kettle
  • 1 Toaster
  • 10 Tins of Baked Beans
  • Loads of Tea Bags and Coffee (to help you through the exams)
  • Toilet Roll
  • Student Cook Book

To be in for a chance of winning all you need to do is like our Facebook page and share the post.

The winner will be announced on 29th September 2014, so good luck everyone!


The Term’s Rent Competition is Back!

The Term’s Rent Competition is back for your chance to win.

The student loan company started by students Shreiff Benaziza and Tom Parks, is giving away a whole term’s rent, up to £3,500, to one lucky student who has Liked their Facebook page!

Last Year we gave £1,200 in cash to winner Rob Berry from Worcester University.

Because no one knows student money like we do, is the trusted Short Term Loans Company used by over 20,000 students.

Here’s why you’re safe with us,

  • Grace Period - 10 days without extra late fees if your payment is delayed
  • Safety Net - Never owe more than 50% of what you borrow in interest, even if something unexpected happens.
  • No Rollovers - Our short term loans don’t turn into long term ones
  • Ethical Pledge - We have made a pledge to always treat our customers fairly
  • Founded by Students for Students- We understand your income and needs

To be in for a chance of winning, just Like us on Facebook.

The prize will be announced on 19th December 2014, and will be the winner’s weekly rent payment (excluding bills) multiplied by the number of weeks in their university or college’s 2014/15 Term 1, to a maximum of £3,500.

Best of Luck from all at

one to use yes

We’re Ahead of the FCA

Long before The FCA announced rules on capping interest rates and fees and a much needed shake up of short term loan providers, was already ahead of the game.

We started whist at University to give students who use short term loans in emergencies a much better deal. We recognised that there was a lot wrong with the industry and we experienced it first hand when one of the founders took out a short term loan in 2nd year of uni.

We were the first short term lender to introduce a 10 day grace period and cap our late fee’s to £15 – When other short term loan providers were charging upwards of £30 in late fees, set our late fee to a sensible limit long before the FCA’s recommendation. Not only that, but you get 10 days grace to put things right before any late fees are put on at all.

We were the first Short Term Lender to introduce an interest cap – We go much further than the FCA’s new 100% cap. At we don’t allow anyone to owe more than 50% of what they borrowed, even if you get into financial difficulties (plus a £15 late payment admin fee). Our daily interest has always been 0.7%, even lower than the FCA’s new limit.

We were the first one among short term lenders to recognise student spending habits – We allow you to borrow right up until you get your next student loan, meaning you don’t have to keep rolling over loans and paying uncapped interest each month!

We’ve got Sensible Limits – We’re here to help, when we were at uni we understand all the finances you’ll have to juggle. So unlike other lenders, we do not keep upping your credit limit to the point where you’ll owe more than you’ll get.

We’ve got a Community– We’ve had over 19,000 applicants use us and we’re growing fast.  Every term we give away a term’s rent in cash to one of our 13,000 lucky followers on Facebook. We’ve also given away a PS4, an XBOX one, shopping vouchers as well as top tips and advice on everything student.

No One Knows Student Money like Smart-Pig.

Interview BW

The Do’s and Don’ts of your Interview

Job interviews are nerve-wracking affairs that can leave you struggling to make a good impression at the time you need to most. I remember my internship interview very well and remember feeling like I’m being interrogated by some higher government official. But it needn’t be so and with a little preparation, you’ll find the confidence to keep your head high and woo your interviewer.


Do some practical preparation
If you’re a smart cookie, you’ll have prepared yourself for your interview by rehearsing good interview answers and researching the company thoroughly as well as the job discription, but it’s vital that you do some practical preparation as well. Find out where your interview is being held, how long it will take you to get there and leave enough time in case something goes wrong, which will most likely happen if you don’t do the above!

Do dress smartly
According to the National Careers Service in the first few minutes of meeting, only 7% of your interviewer’s opinion is based on what you say – the rest is based on how you look and act and how you say things. A smart outfit not only looks good, but also makes you feel professional and confident.

Do keep eye contact and smile
Once you’ve sat down, sit up straight, look your interviewer in the eye and smile. Maintaining eye contact shows that you are confident and engaged in what’s going on, and smiling shows that you’re relaxed and personable – no one wants to work with a misery guts! Also, when your interviewer is regaling stories about the company or even their own experiences, make sure you subtly acknowledge as they speak by nodding in agreement.

Do rehearse some questions to ask
The person who says “Uh…no, not really” when asked if they have any questions for their interviewer is doomed. If you have nothing to ask, you’ll come across as lacking interest and a bit on the dim side, to say the least. Think up some things you genuinely want to know (and we don’t mean how much your salary is going to be!).

Don’t be disrespectful
You want to look good to your employer, so don’t do any of the following: be late, swear, slouch in your chair or lean on a table, look at your phone, chew gum or turn up smelling of cigarettes .

Don’t criticise former employers or colleagues
Even if your previous boss was a monster who made your life miserable, being critical of them in your interview is a big no-no. It will mark you out as a troublemaker and a gossip, which no employer wants, so save your venting for home.

Don’t let nerves get the better of you
A few nerves are normal and expected, but if they seriously get in the way of your interview you need to take control. Try breathing techniques to calm you before you get in there and try to keep some perspective – it’s not the end of the world if you don’t get the job. And if you don’t, ask for feedback so you can hone your interview style and feel more confident.

Don’t talk too much
Of course you should answer the questions that you’re asked, but don’t bang on ceaselessly and don’t stray off the point. Answer questions fully, but succinctly and don’t try to shoehorn in something that you think will impress them if it isn’t relevant to what they’ve asked.