For tuition fees and cost of living.

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

Student loans tailored to your potential

Give yourself the freedom to focus on your studies, not the bills, with our flexible student loans and postgraduate loans. Your rate will be calculated based on your graduate earning potential, not just your current financial situation. And because we know money can be tight when you’re studying, you’ll benefit from reduced repayments during term time, paying off the majority of the loan after you leave university.

The best option when financing your studies is a government-funded student loan. But if that isn’t enough to cover all your expenses, or you’re not eligible for government support, we’re here to help.

How much do you need?

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 it works

1. Tell us about yourself

Share a few details. We’ll then do some basic checks to see if you’re eligible. It takes a few moments, doesn’t affect your credit rating and there’s no commitment.

2. Get a decision quickly

We'll let you know your interest rate and how much you can borrow and if a guarantor is required.

3. We transfer the funds

We send the funds to help cover tuition fees directly to your university and those to help cover living expenses directly to you.

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.

Future focused

We calculate your rates based on your potential, not just your current circumstances. That means we consider the course you’re on and how much you’re likely to earn after graduating.

How we compare

Student Finance England
Future Finance
Student credit card
Pay day lender
APR (variable)
(1) Student Finance Example APR assumes RPI of 3.3%; (2) Student Credit Card and Short Term Loan example APRs based on review of lender representative APR examples as of 22/01/2019; (3) Future Finance example based on Representative APR Example

Can I Apply

  • 18 or over
  • At an eligible UK university
  • UK, EU and International Students
  • Resident in the UK

Hannilee, F.Future LawyerBPPMore stories
I am studying to become a Barrister and whilst I was awarded a scholarship, it was not enough to cover my fees. I am grateful to Future Finance for their professionalism and efficiency in meeting my needs during my training, so I could focus on my course.