Top-up with a
private student loan

Specialist Private Student Finance Lender

When official Student Finance isn’t enough to cover all of your expenses, or you’re not eligible for other financial support, we’re here to help. Our funding options enable you to pay for tuition and the cost of living expenses.

We are Future Finance. The next generation of student lending in the UK. We believe in helping you to unlock your potential. We do this by offering private student finance loans that are based on where you’re heading, not where you’ve been.

Our educational loans are designed for students at UK Universities taking Undergraduate or Postgraduate programmes. Our Private Student Financing solutions range between £2,000 and £60,000 with repayments as little as £5 a month while studying.

Tailored Loans for student

Designed for students

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Apply anytime

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

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Reduced repayments

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

7 years

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

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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.


Financing your future

We help you focus on what matters. We aim to ensure everyone has the freedom to focus on their studies - whatever their financial background might be. We know how important education is to future financial success. But, the barriers are becoming greater. That’s why we are here to provide the extra help you need to achieve your objectives.

With a Future Finance Student Loan, you can apply anytime throughout the academic year, only make reduced repayments while studying, avail of our standard 3 month grace period after graduation and even pause repayments after graduation if you need. You can also pay back early as there are no penalties for early repayment.

At Future Finance, we invest in you because we believe in your future. Unlike a bank, we are specialists in private student finance and we know the value of your education and the return it can bring.

Funding Gap

Repayment calculations assume: a loan term of 101 months; 17 payments during study, which includes a 3 month grace period; 84 payments once graduated; an interest rate of 13.41% p.a.; all payments made on-time; no repayment holidays are taken. See the Representative Example.

Flexible funding designed for students

We think your education is worth investing in. We offer loans to help students pay for their tuition or cost of living expenses while studying.

Our unique algorithm predicts a student’s future earnings based on their course and university. In order to assess the maximum amount we can lend, we also take into account the student’s current borrowing and expenses, as well as repayment history.

Tailored student Loans

Trusted by students


Student Loans Representative Example 15.9% APR (variable)*

£6,000 for 101 months
Origination fee
Total amount repayable
Interest rate
13.41% p.a. (variable)
17 payments of £5/month, 83 payments of £140.26/month, 1 payment of £140.98/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.