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Information about our loans

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Have you paid your school deposit?
The scope of your Prodigy Finance loan will vary depending on the school you will be attending. We offer two main fun...
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Does Prodigy Finance require collateral or co-signer?
The short answer is - no!  Prodigy Finance does not require any collateral or a co-signer for our loans. We assess af...
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How it works: 8 steps to our loan process
Our entire loan process is online, from submitting an application to signing your final loan agreement.      Get sta...
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Why choose Prodigy Finance?
Loans based on your potential (not your current circumstances)  We assess affordability based on your future earnin...
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How much can I borrow?
Our loan amounts are designed to match your unique needs! The minimum loan we offer starts at $10,001, with the avera...
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Is Prodigy Finance a bank?
Prodigy Finance is a UK consumer credit provider and our business is regulated by the UK Financial Conduct Authority....
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Schools and courses we support

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Which schools do you support?
We currently support over 1200 schools globally across Business, Engineering, Law, Public Policy, and Medical and are...
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What do I do if my school or course isn't supported?
We support over 1700 schools across 480+ universities across 19 countries and are always working to expand our list. ...
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Do you fund dual degrees?
You may be attending two schools and also studying two degrees, we call this a dual-degree! Looking to fund a dual d...
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Starting an application

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Refer a friend and get rewarded!
Here's how to refer a friend: Share your unique referral code with friends and family. Ask your friend to create an ...
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How to complete the application
Once you have your school in mind (that is part of our supported list of schools & courses), click 'Apply Now' to cre...
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Am I eligible for a loan?
Understanding whether you may be eligible for a loan can be daunting, here are some quick facts to help you before su...
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Which regions aren't eligible for a loan?
At Prodigy Finance we've made it our mission to make quality education more accessible. Since 2007, we have provided ...
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What is a co-signer loan?
Prodigy Finance remains committed in removing financial barriers for prospective international students by offering c...
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How do I apply for second-year funding or a top-up loan?
If you need funding for a course that has more than one academic period, we're here to help. When you apply for your ...
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Understanding your offer

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What does the information in my loan offer mean?
Need some help understanding the details of your offer? See below for a breakdown of each one: Base Rate Variable in...
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How is the interest rate and admin fee calculated?
Prodigy Finance charges simple interest, meaning that the interest does not compound throughout the life of the loan*...
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If I accept my offer will I be locked into taking a loan?
The Provisional Offer is a non-binding and conditional offer that informs us that you are ready to move forward with ...
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What is the difference between APR and the Interest Rate?
The truth is that finding the best interest rate is not always as simple as looking for the lowest advertised number....
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What is the base rate?
What types of interest rates are there? Generally speaking, there are two types of interest rates: Fixed interest ra...
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What is SOFR?
Your offer with us will include a variable interest rate that is made up of a fixed margin rate applicable to your un...
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Getting in touch

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Chatting to a mentor
How can I chat to a mentor? Our community of mentors are here to guide aspiring international students like yourself!...
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How to change your login ID on your student dashboard
If you would like to change your log in ID for your application, here is a step by step guide on how to do that:  Log...
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How to lodge a complaint
We’re sorry to hear that you are unhappy with the service we provided to you. Please email us at complaints@prodigyfi...
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Does Prodigy work with agents?
We work with entities and individuals who share our values to support international students, and they may refer cust...
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