Smart-Pig Loans | Reviews

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Smart-Pig Loans

About Smart-Pig Loans

Smart-Pig was launched in early 2012 by Shreiff Benaziza and Tom Parks. This start-up was undertaken when each studied at university. It was a frustrating experience with a payday lender that would lead to the creation of their very own product. They opted to deliver this to students-only who must receive an income from NHS Bursary, SAAS or Student Finance. Going micro targeted like this would be seen as risky, yet the concept has worked very well for them with more than 50,000 students currently using the service. It is clear that they have managed to attract a very loyal fan base. This is evident from viewing Smart’s Facebook page that has approx 30,000+ likes.

An impressive repayment range is set between 1 and 180 days. However, this term is based on your next student payment. The biggest feature of note is Smart’s own interest cap at 50% of the amount borrowed. This means that if you were to borrow £300 then the most that you’d pay is £150 that would be met on the 63rd day. Obviously, if your next payment is some time away then it is worth adding the extra time for free interest. The opportunity to settle early is always there. There are no late fees charged and they operate 7 days a week. Non-students can now get approved through the owner’s 2019 project Buffa.

Company Details

Address: 3 Jephson Court, Tancred Close, Leamington Spa, CV31 3RZ

Brand: Smart-Pig (aka: Smart Pig)

Company: FCL Consumer Finance Ltd (subsidiary of SBTP Group Ltd)

Contact (📧):

Contact (☎): 0203 507 1930

FCA Licence: 671696

Launched: 2012

Niche: Payday, instalment

Opening Hours: Mon/Fri (9am-8pm), Sat/Sun (10am-6pm)

Related Brands: Buffa

Site Address:

Site Rank ( Global): #3,494,672

Product Specs

Amounts Available: £50 to £350

Late Payment Fee: £0

Login Provided: Yes

Pricing: £24 /£100 (1m) & £150 /£300 (3m) & & £150 /£300 (6m)

Repayment Terms: 1 day to 6 months (any day between)

*Repayment is set against your next student payment

Review Feedback

Feefo: Not listed

Reviews: Not listed

Trustpilot: 96% (1680+ count)

Rivals & Similar Lenders Like Smart-Pig

There are no other dedicated student payday loans. There are certainly lots of great alternatives assuming that you have a job on the side. If so, then the key flexible alternative of note would be SafetyNet. They stand out for their overdraft protection and instant 24/7 payouts. It is longer term borrowing where the Smart-Pig loans become competitive due to their cap. They’d ask for £150 per £300 over 6 months that is only beaten by a few subprime rivals. The cheapest of which being Conduit at £64.24 per £300. It is worth noting that there are various student credit cards available depending on status. As was noted, Buffa is now available to non-students seeking funding.

Last Check @ May 5th, 2021

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 2 reviews
by Adam on Reviews

The easiest and most trust worthy website I came across when I was short of money as a student.

Would definitely recommend!

by Sophie on Reviews

Very helpful and useful service, I am a repeat customer and find the service very easy to use and would definitely recommend it to a friend.