Apply in 5 mins for same day funding

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 for tuition and living costs

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.

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.

Designed for students

No early repayment fees

Save on interests, there are no early repayment fees if you pay off early.

Reduced repayments

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

7 - 10 years

Spread your repayments over 7 to 10 years, giving you the flexibility you need as a student.

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.

We funded 22,000+ students, with over £136m across 100+ universities and institutions.

How it works

We’ll need some information about you, including your address and where you're studying.
Tell us how much you need. You can borrow up to £18,000 to cover your tuition fees and up to £3,000 for your living expenses.
We'll tell you the amount you can borrow, what you will need to repay and over how long.
We’ll ask you to provide your bank details so we can send your money and set up your direct debit. Sometimes we may require confirmation of your student enrolment.
We send tuition funds directly to your institution and cost of living funds directly to you.
Pay a minimum of just £5 a month until you graduate and for up to 3 months after graduation.
How it works

Can I Apply

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

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

Future focused

We understand that students may not have much experience dealing with borrowing money and credit, which is why we are dedicated to providing support through the process with transparent information and only lending when we are confident that the student has the ability and means to maintain an affordable repayment schedule. Due to Future Finance’s ethos of responsible lending, tuition payments are paid directly to universities and higher education establishments.

Maintenance payments can be used for accommodation costs, course materials, transport, food or any expenses that may arise during your studies, and are paid directly to your bank account.