To cover your daily expenses.

Future Finance is a private lending company which is not affiliated with Student Finance England. Representative 19.1% APR (variable). Guarantor may be required.

Maintenance loans for student living costs

If you have already applied for student finance from the government to help cover daily expenses but feel you will still be short, a maintenance loan from Future Finance can help. We specialise in private loans for students and have supported thousands to cover tuition and cost of living for uni.

Whether you are trying to pay rent or need a new laptop for your studies, a maintenance loan could help you with those necessary student expenses. Maintenance can be used for accommodation costs, course materials, transport, food or any expenses that may arise during your studies.

Designed for students

Apply anytime

You can apply any time throughout your studies and up to 1 month before you graduate.

Reduced repayments

Pay a minimum of just £5 a month during term time and for up to 3 months after graduation.

7 - 10 years

You can spread your repayments over 7 to 10 years. No early repayment fees if you pay off early.

Pause payments

Life happens. Take two three-month breaks from repayments if money is tight after graduation. You will still accrue interest while payments are paused.


Difference between Future Finance tuition loan and maintenance loan

If you need support to cover your tuition fees, whether you are an undergraduate or a postgraduate student, our tuition loans will be sent directly to your university.

Our maintenance loans help to cover general living costs and expenses such as rent, food, course materials, travel and any other day-to-day expenses. A maintenance loan with Future Finance is paid directly to you in instalments, or as a lump sum, depending on your loan amount.

Example payments
a month whilst studying
a month once graduated

The rate you are offered will depend on the amount you wish to borrow as well as your personal circumstances and credit history.

Student Loan Representative 19.1% APR (variable)*. Representative Example:

£2,500 for 115 months
Origination fee
Total amount repayable
Interest rate
16.29% p.a. (variable)
31 payments of £5/month 84 payments of £77.84/month
*These values are determined using projections based on assumptions.  The rate you are offered will depend on the amount you wish to borrow as well as your personal circumstances and credit history.

How much maintenance can I get?

You may be eligible to borrow between £2,500 - £7,000 from us to cover your cost of living. We offer minimum payments of £5 while you're still studying, so you can focus on what matters - your studies. You will still accrue interest while repayments are reduced.

After graduation, you can spread repayments for your private maintenance loan over 7-10 years to keep them affordable or you can pay back your loan early, we charge no fees to do so.

You can apply online for a Future Finance maintenance loan in just a few minutes. Our smart technology means we will let you know if you are eligible for one of our maintenance loans quickly, and it won’t affect your credit score.