EasyShiksha × UniCreds education loans
Education loan for Germany 
Get matched with lenders that fund students heading to Germany, plus a sanction letter you can use for your visa. Free help from UniCreds loan experts.
- From 8.33% p.a.*
- Sanction in 48 hours*
- No-collateral options
- Save up to ₹15 lakh*
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20,000+ students have funded their studies with UniCreds
Check your Germany loan eligibility
Takes 30 seconds. A loan expert calls you back.
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No fee, ever
Call back in 1 working day
Your Germany education loan, explained
Because public universities charge little or no tuition, Germany loans are mainly for living costs and the blocked account, so amounts are usually lower.
When to apply
Germany has intakes in Winter semester (Oct) and Summer semester (Apr). Start your loan as soon as you have your admit, so the sanction letter is ready before your visa appointment.
Showing funds for your visa
The German student visa requires proof of funds, most often through a blocked account (Sperrkonto). Several lenders fund the blocked account directly.
What lenders look at
Your university and course, your grades and test scores, and your co-applicant’s income and credit score. Popular courses funded for Germany include MS Mechanical, Automotive, Electrical, Computer Science, Data Science, MBA (private).
Studying in Germany
Indicative yearly costs for Indian students
- Tuition (public universities)
- Mostly free; semester fee around €150 – 350
- Tuition (private universities)
- €10,000 – 30,000 per year
- Blocked account
- Required for the visa (check current amount)
- Students usually borrow
- ₹10 – 30 Lakh
Costs vary by university, city and course.
Choose from leading lenders
Banks, NBFCs and international lenders, with secured and collateral-free loans. Tap a lender to see its rates, limits and eligibility.
*Starting rates as published by UniCreds. Your rate depends on your profile, course and lender. Compare all lenders
Form to funding in 5 steps
100% digital, with a real person helping you the whole way.
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Share your plans
Where, what and when you want to study, and how much you need.
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Chat with an expert
A UniCreds specialist calls and explains your options.
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Upload documents
All online from home. No branch visits.
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Get the best rate
Your expert negotiates with lenders for you.
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Get sanctioned
Sanction letter in as little as 48 hours*.
Germany education loan FAQs
Can an education loan fund my German blocked account?
Yes. Many lenders offer pre-visa disbursement straight into the blocked account.
Do I need a loan if German public universities are free?
Most students still need funds for the blocked account, living costs, travel and insurance, which a loan can cover.
Are private universities in Germany eligible?
Yes, recognised private universities are eligible; loan amounts are higher because of tuition fees.
Is collateral needed for Germany?
Often not, as amounts are smaller. It depends on the lender and your co-applicant profile.
Compare other countries
Costs, intakes and visa money rules change by country. Pick yours for a quick guide.
- USA Intakes: Fall (Aug–Sep) Loan guide
- UK Intakes: September (main) Loan guide
- Canada Intakes: September (main) Loan guide
- Australia Intakes: February (main) Loan guide
- Ireland Intakes: September (main) Loan guide
- France Intakes: September (main) Loan guide
- New Zealand Intakes: February (main) Loan guide
Ready for Germany? Let's get you funded.
Check your eligibility in 30 seconds. A loan expert calls you back within one working day.
*Interest rates, sanction times, savings, loan amounts, fees and other terms are indicative, as published by UniCreds, and depend on the lender and on the student's and co-applicant's profile, course and country. Education loans are provided by banks and NBFCs through UniCreds Private Limited. EasyShiksha (EdSpectra Global Private Limited) refers students to UniCreds and does not lend money or guarantee any loan. Lender names and logos belong to their owners. Cost figures are approximate.