🇮🇪
Study in Ireland
Education loan rates for Ireland
Secured and unsecured loan options from our lending partners for Indian students heading to Ireland. Verified rates as of 2025–26.
9+Lending Partners
10.50%Secured from
10.75%Unsecured from
With Collateral
Secured loans for Ireland
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 ₹1.5 Cr | 10.65% (girls) / 11.50% (boys) | 10% |
| Union Bank of India | Up to ₹1.5 Cr | 10.50% - 10.85% | 10% (listed) / 15% (non-listed) |
Without Collateral
Unsecured loans for Ireland
No property needed — approval is based on your academic profile and co-applicant income. Faster processing but slightly higher rates.
Some lenders (Credila, Avanse, Incred, Auxilo) offer different amounts and rates for STEM vs Non-STEM courses in Ireland. STEM courses generally get a higher loan limit and a slightly lower rate.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| Axis Bank | Up to ₹40 Lakh | 10.75% - 11.50% | 5% |
| ICICI Bank | Up to ₹20 Lakh | 11.50% - 12.00% | 15% |
| IDFC First Bank | Up to ₹35 Lakh | 11.75% - 13.25% | Nil |
| Credila | STEM: ₹30L / Non-STEM: ₹25L | STEM: 12.00–12.25% / Non-STEM: 12.25–12.50% | Nil |
| Avanse | STEM: ₹30L / Non-STEM: ₹25L | STEM: 12.50–13.00% / Non-STEM: 12.75–13.25% | Nil |
| Incred | STEM: ₹30L / Non-STEM: ₹25L | STEM: 12.50–13.00% / Non-STEM: 12.75–13.50% | Nil |
| Auxilo | STEM: ₹30L / Non-STEM: ₹25L | STEM: 12.00–12.50% / Non-STEM: 12.50–13.00% | 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 Ireland?
Tell us your university and loan amount — we'll match you to the right lender and get you the best rate your profile qualifies for.
Check My Eligibility Estimate My EMIVisa Guide
Irish Study Visa (Type D Long Stay)
- 1Receive offer letter from your Irish university
- 2Apply online at the Irish Naturalisation and Immigration Service (INIS)
- 3Pay visa fee (€60 single entry / €100 multiple entry)
- 4Financial proof: tuition + €10,000 living costs — loan sanction letter accepted
- 5Private medical insurance for the duration of study
- 6Processing time: 8–12 weeks — apply at least 3 months before your course start
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
Trinity College DublinUniversity College Dublin (UCD)University College Cork (UCC)National University of Ireland Galway (NUIG)Dublin City University (DCU)Maynooth UniversityTechnological University Dublin
Average tuition: €10,000–€25,000/year. Living costs: €10,000–€14,000/year.
Not sure which lender is best for Ireland?
We compare all options and negotiate on your behalf — one call, multiple offers.
Get Matched to a Lender