Loans for Students

Flexible student loans for University.
Borrow from £2,000 to £40,000.

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Private Student Loans for UK students

Click below for a free, no obligation quote. This won’t affect your credit score. Please refer to our FAQs for more information.

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Annual Percentage Rates

We calculate your APR based on your individual circumstances, taking into account your credit history, university, and what course you’re studying. Our representative APR is 18.3%, but APRs vary between 11.9% - 25%.


Government student loans are typically the best financing option, if you qualify. If you don’t qualify or are facing a funding gap, a student loan from Future Finance may be the right option for you. Future Finance student loans can be used to help cover the cost of tuition or living expenses.

Our loans are designed specifically for students, with a representative APR of 18.3%

Fair is Fair

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Our loans are fair and flexible because we don’t think reaching your potential should become a financial burden.

Here’s a look at how our interest rate compares to other lenders.


Our loans are especially designed for students

Reduced payments while you’re studying

While you’re still studying your repayments will be reduced to allow you to focus on getting the best out for your course. Paying back just a small amount each month helps you budget and gets you in the habit of making regular monthly payments. It can even help build your credit history.

3 months to get yourself set up

After graduating, we’ll keep your payments lower for a further 3 months. This will give you time to land your dream job and prepare for your new career. Repayments are typically spread over 7 years from when you received your loan to help make them more manageable for you, however, you are more than welcome to repay at any time.

Flexible terms & zero prepayment fees

We offer loans of up to 7 years. The sooner you can pay us back, the less interest you’ll pay. If you find that you can afford to pay your loan off quicker, that’s fine. We won’t penalise you for saving money.

Repayment holidays

Allowed twice during your loan, each 'holiday' gives you a three month break from repayments, for times when money is tight. Note that interest on your loan will still accrue during your repayment holiday.

Can I apply?

We make sure ambitious students have the chance to pursue a higher education with a broad eligibility requirement. Some internal criteria may also apply but in general, you’ll need a satisfactory credit record and a few other criteria.

Enrolled in an eligible UK institution (part-time or full time)

18 years of age or above

UK or EU citizen and resident in the UK

Non-UK citizens will require a guarantor who is a UK resident

Our students

Representative example

£6,000 for 7 years
Origination fee
Total amount repayable
Interest rate
15.29% p.a. (variable)
15 payment of £40/month, 68 payment of £153.49/month, 1 payments of £162.77/month

Representative 18.3% APR (variable)

Ready to go?

Get ready to rise to your potential with Future Finance.

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+44 (0)20 3743 8700

Mon - Thur 9.00am - 6.30pm

Fri 9.00am - 5.00pm