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Study in United Kingdom
Education loan rates for United Kingdom
Secured and unsecured loan options from our lending partners for Indian students heading to United Kingdom. Verified rates as of 2025–26.
10+Lending Partners
9.25%Secured from
10.85%Unsecured from
With Collateral
Secured loans for United Kingdom
These loans require property or FD as collateral but offer the lowest interest rates. Margin money is the portion of the cost you must pay yourself.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| SBI | Up to ₹3 Cr | 9.65% (girls) / 10.15% (boys) | 10% |
| Union Bank of India | Up to ₹1.5 Cr | 9.25% - 9.75% | 10% (listed) / 15% (non-listed) |
Without Collateral
Unsecured loans for United Kingdom
No property needed — approval is based on your academic profile and co-applicant income. Faster processing but slightly higher rates.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| Axis Bank | Up to ₹50 Lakh | 11% - 13.50% | 5% |
| ICICI Bank | Up to ₹50 Lakh | 10.85% - 12.50% | 0 - 15% |
| IDFC First Bank | Up to ₹35 Lakh | 11.75% - 13.25% | Nil |
| Credila | Up to ₹40 Lakh | 12% - 13% | Nil |
| Auxilo | Up to ₹40 Lakh | 12.50% - 13.50% | Nil |
| Incred | Up to ₹40 Lakh | 12.50% - 13.50% | Nil |
| Avanse | Up to ₹40 Lakh | 12.50% - 13.50% | Nil |
| Prodigy Finance | Up to USD 1,00,000 | 12% - 14% | Nil |
Rates shown are indicative as of 2025–26 and subject to change. Actual rate depends on your profile, university, and lender assessment. Confirm with the lender or our counsellors before applying.
Planning to study in United Kingdom?
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Check My Eligibility Estimate My EMIVisa Guide
UK Student Visa (Tier 4)
- 1Receive your CAS (Confirmation of Acceptance for Studies) from your university
- 2Apply online at gov.uk — fill the Student visa application form
- 3Pay visa fee (approx £490) and healthcare surcharge (£776/year)
- 4Book biometric appointment at VFS Global centre in India
- 5Provide financial proof — loan sanction letter or bank statements showing 9 months living + first year tuition
- 6Receive decision — usually within 3 weeks
Loan + Visa together: Your loan sanction letter is a key financial document for the visa application. We coordinate both processes so you're not chasing two things at once. Learn about our visa support →
Top Universities
Where our students go
University of OxfordUniversity of CambridgeImperial College LondonUCL (University College London)London School of Economics (LSE)University of EdinburghThe University of Manchester
Average tuition: £15,000–£35,000/year. Living costs: £10,000–£15,000/year (London higher).
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