Loans for students

We provide loans, exclusively to students, to help pay for tuition fees and living costs while studying.

Our aim is to remove the financial barrier to education, levelling the playing field so that students can fulfil their potential.
You could borrow £2,000 - £40,000

Interest rates

We calculate your interest rate based on your individual circumstances, taking into account things like your credit history, which university you’re studying at and what course you’re on. On average our rates are 11.2%, but they vary between 6% - 19.9%.

Interest rates

A government student loan has the lowest interest rate and is the best choice if it is available to you. If you aren’t eligible for a government loan, for example if you’re a second degree or foreign student, then we believe we’re the next best option.

Our loans are designed especially for students, with a very competitive APR of 11.2%. When you graduate we’ll drop your interest rate by a further 2% as a reward for finishing university.

Fair is fair

Fair is fair Fair is fair

Our loans are fair and flexible because we don’t think reaching your potential should become a financial burden.

Here’s a look at how our interest rate compares to other lenders.


Our loans are especially designed for students.

Reduced payments while you’re

While you’re still studying your repayments will be reduced to allow you to focus on getting the best out for your course. Paying back just a small amount each month helps chip away at your loan from day one and is a great way to start building up your credit history.

3 months to get
yourself set up

After graduating, we’ll keep your payments lower for a further 3 months. This will give you time to land your dream job and prepare for your new career. Repayments are typically spread over 5 years after graduation to help make them more manageable for you, however, you are more than welcome to repay at any time.

Flexible terms & zero
repayment fees

We offer loans of up to 5 years. The sooner you can pay us back, the lower the interest payments you will have to make. But even if you take the full 10 year term, if you find that you can afford to pay your loan off quicker, that’s fine. We won’t penalise you for saving money.


We give you up to four repayment holidays, which you can apply for over the course of the loan. Each 'holiday' gives you a three month break from repayments, for times when money is tighter or you’re saving for something else. Note that interest on your loan will still accrue during your repayment holiday.

Can I get one?

We make sure ambitious students have the chance to pursue a higher education with a broad and fair eligibility requirement. You’ll need a satisfactory credit record, and fulfil a few other criteria...

  • Enrolled in an accredited UK university (part-time or full time)
  • 18 years of age or above
  • UK or EU citizen and resident in the UK
  • Non-EU citizens will require a guarantor who is a UK resident

Our students

Ready to go?

Get ready to rise to your potential with Future Finance.

Applying for a loan is super easy. Simply tell us how much you’d like to borrow, enter a few details and we’ll get back to you as soon as possible.