• Step 1
    About You
  • Step 2
    Your Student Loan
  • Step 3
    Review Application
  • Step 4
    Bank Details

About You

You're just a few steps away from having your Smart-Pig loan approved! Make sure you have your Student Loan details to hand, and then fill in the form carefully following the instructions.

First Name
Middle Initials
Last Name
Date of Birth
Marital Status
How did you hear about us?
Number of children you support financially
Number of siblings currently studying at university

University Details

Type freely to search for your University or College and select from our list. Select "Other" if your institution is not listed.

University or College
Course Title
Duration of Study
Current Year of Study

Your Address

Please provide both a Billing Address and a Contact Address. Without this it will be difficult to make checks to approve your loan. If you are an undergraduate, at least one address should be your family address. We will not contact you by mail at either address unless it is urgent and all other attempts have failed over a 10 day period.

Living Arrangements
Billing Address Postcode Lookup (where you receive your bank statements)
Contact Address Postcode Lookup

Contact Information

Email Address
Re-type Email Address
Home Phone
Mobile Number

Set Your Password

Repeat Password

If you do not wish to receive marketing messages - please un-tick the box


1.1 By using our Speedy Application Service, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using the Speedy Application Service and complete your application normally.

1.2 If you take out a Smart-Pig Loan, you will also subject to additional terms and conditions.


2.1 This Site is operated by FCL Consumer Finance Ltd. We are registered in England and Wales under company number 7694453 and whose registered office is C/o Brecher, 64 North Row, LONDON, W1K 7DA

2.2 FCL Consumer Finance Ltd is regulated and authorised by the Financial Conduct Authority, with firm reference number 671696

2.3 We are registered with the Information Commissioner's Office in compliance with the Data Protection Act 1998. Our registration number is Z3048876


3.1 Access to the Smart-Pig Speedy Application Service is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide via the Smart-Pig Speedy Application Service without notice. We will not be liable if for any reason our Speedy Application Service is unavailable at any time or for any period.

3.2 From time to time, we may restrict access to the Speedy Application Service, to users who have registered with us.

3.3 You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms, and that they comply with them.


4.1 You must keep your Smart-Pig Account username, password and any other security details strictly confidential. You must not write your Smart-Pig Account details down without disguising them. You must not let anyone else use your password to access your Smart-Pig Account

4.2 You will have provided the log in details of your Student Finance England/Wales/Northern Ireland Account (Your SF Details) with Smart-Pig because you wish to make use of our Smart-Pig Speedy Application Service for the purpose of applying for a Student Short Term Loan.

4.3 By agreeing to these terms, either expressly or indirectly, you appoint FCL Consumer Finance (T/a as your agent and nominated representative and instruct us to access and use on your behalf the information from your Student Finance England/Wales/Northern Ireland Account.

4.4 In order to allow and provide the Smart-Pig Speedy Application service to you, as your agent and nominated representative, you instruct us to access, retrieve and use your Student Finance England/Wales/Northern Ireland Account information for the purposes specified. The purposes are limited to:

4.5.1 Modifying and displaying your information within our Smart-Pig Application Form on our Site;

4.5.2 Collect information from your Student Finance Account for the provision of identification and Anti-Fraud Measures

4.5.3 Verifying and/or copying Student Finance Payment Dates, National Insurance Numbers, Bank Details, Term Dates, University Course information.

4.5.4 Storing the copied information upon our servers;

4.5.5 Making lending and collecting decisions;

4.5.6 In accordance with your marketing consent preferences and our Privacy Policy, to notify you of products and/or services, offered by ourselves or trusted third parties that we believe you may be interested in.

For the avoidance of doubt, we will not, and cannot, control your Student Finance Account, change any details, submit applications or in any other way whatsoever exercise direct control over your account other than to retrieve information already executed and contained with your Student Finance Account.

4.6 In order to allow us to provide our Smart-Pig Speedy Application Services to you, you agree and expressly authorise and require that Student Finance England/Wales/Northern Ireland should, in accordance with these Terms of Use, allow FCL Consumer Finance Ltd, as your agent and nominated representative to, access, view, copy, represent, your Student Finance Account Details with unfettered restrictions.

4.7 You hereby expressly acknowledge and fully accept without fetter that The Student Loans Company does not endorse or sponsor FCL Consumer Finance Ltd (T/a


5.1 Our Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by FCL Consumer Finance Ltd or third parties and all right, title and interest therein shall remain the property of FCL Consumer Finance Ltd and/or such third parties (collectively, the "Content"). All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

5.2 You are authorised solely to view and retain a copy of the pages of our Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Site for the purpose of transacting business with FCL Consumer Finance Ltd.

5.3 You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, otherwise make available to any other third party, or in any way distribute or exploit our Site, or any portion of our Site for any public or commercial use without the express written consent of FCL Consumer Finance Ltd.

5.4 Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Site (or printed pages produced from our Site); and (ii) make any other modifications to any documents obtained from our Site other than in connection with completing information required to transact business with FCL Consumer Finance Ltd.



6.1 You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.

6.2 By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.

6.3 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.


7.1 FCL Consumer Finance Ltd's Privacy Policy applies to use of our Site, and its terms are made a part of these Terms of Use.

7.2 Any personal data we process about you will be processed in accordance with our Privacy Policy and by using our Site to transmit personal data you consent to such processing and you warrant that information provided by you is accurate.

7.3 Additionally, by using our Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Site may be read or intercepted by others, notwithstanding FCL Consumer Finance Ltd's efforts to protect such transmissions. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

7.4 Logos, trademarks, images, etc. are the property of FCL Consumer Finance Ltd unless otherwise noted and may not be copied, used, linked, disseminated, etc. without FCL Consumer Finance Ltd's prior express written approval. Requests for approval should be directed by email at


8.1 The Site makes use of Cookies to help us identify your computer. Cookies do not themselves identify the individual user, just the computer that is used. Many sites use cookies to monitor visits to their sites in order to track traffic flows. Cookies themselves record those areas of the site that have been visited and for how long. Cookies allow us to provide a more responsive site experience.

8.2 Under the Privacy and Electronic Communications Regulations 2003 (as amended) we are required to get the consent of everyone who uses our Site to the use of cookies. By continuing to use our Site you agree to this.

8.3 You can prevent the use of cookies at any time by configuring your browser accordingly, but please note this may hinder some Site functionality.

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