Came here from @studyinginuk2025Fund your UK degree with an education loan, step by step.
Saw Yash's reel about paying for a UK degree? An education loan can cover your tuition, living costs and visa expenses. We help you work out how much you need, which kind of loan fits your profile and how to get the papers ready in time for your visa.
Tell us how much you need.
A counsellor will call you within 24 hours. No fee.
Six steps from offer letter to money in the bank.
Start early. Your loan sanction letter is often part of the money you show for the visa, so it needs to be ready before your CAS and visa application.
- 1
Get your offer
Most lenders want to see a conditional or unconditional offer from a UK university before they sanction a loan.
We shortlist universities that fit your budget - 2
Work out the total cost
Add up tuition, living costs for the visa (London or outside London), visa fee, health surcharge and flights.
We build your cost sheet with you - 3
Pick the loan type
With collateral you usually get a bigger amount at a lower rate. Without collateral, approval depends on your profile and your co-applicant's income.
We explain which option suits your case - 4
Apply with your documents
Submit KYC, academic and admission papers, co-applicant income proof and, for a secured loan, the property or deposit papers.
We check the file before it goes in - 5
Sanction letter
The lender confirms the amount. This letter can support the funds you show for your UK student visa.
We line it up with your visa timeline - 6
Disbursement
Tuition is usually paid straight to the university, and living costs are released to you, often in parts.
We stay with you until you fly
With or without collateral: which loan fits you?
There is no single best loan. The right one depends on how much you need, your university and course, and what security your family can offer.
- Secured loan (with collateral)Backed by property, a fixed deposit or similar security. Usually higher amounts, lower interest and a longer time to repay.
- Unsecured loan (without collateral)No security needed. The amount and rate depend on your university, course, academic record and your co-applicant's income.
- Co-applicantMost loans need a parent or close family member as co-applicant, with steady income and good credit history.
- RepaymentMany loans give a break during the course and a few months after it, with only interest (or nothing) to pay in that time.
Documents most lenders ask for.
Every lender has its own list. Your counsellor gives you the exact checklist for your case.
From you
- ID and address proofPAN, Aadhaar and passport
- University offer letterConditional or unconditional offer, later the CAS
- Academic records10th, 12th and degree mark sheets
- English test scoreIELTS, PTE or TOEFL, if your offer asks for one
From your co-applicant
- ID and address proofPAN and Aadhaar
- Income proofSalary slips or ITRs for the last 2 years
- Bank statementsThe last 6 months
For the loan
- Cost of studyFee details from the university and your living cost estimate
- Collateral papersOnly for a secured loan: property papers or deposit details
UK education loan FAQ.
The questions we hear most about paying for a UK degree. Your case may be different, so ask us anything.
01Can I get an education loan for the UK without collateral?
Yes. Many lenders offer unsecured loans to students with a good profile and a co-applicant with steady income. The amount is usually lower than with collateral, and the interest is usually higher.
02What can the loan pay for?
Usually tuition fees, living costs, the visa fee, the Immigration Health Surcharge, flights and study essentials like a laptop. What is covered depends on the lender.
03Can my loan be used as proof of funds for the UK visa?
A loan sanction letter from a regulated lender can be used to show funds for a UK student visa, as long as it meets the UKVI rules. We check it with you before you apply.
04When should I apply for the loan?
As soon as you have an offer. Sanction can take a few weeks, and you need it before your visa application, so start at least 2 to 3 months before your intake.
05How much does a UK degree cost in total?
For a one-year master's, plan for tuition (often £15,000 to £38,000) plus living costs. UKVI asks for £1,483 a month in London and £1,136 a month elsewhere, for up to 9 months. Add the visa fee and health surcharge.
Not sure how much loan you need?
Book a free call. We help you work out your total UK cost and the right type of loan for your case.