EasyShiksha × UniCreds education loans
FinZ education loan
FinZ offers collateral-free loans up to ₹75 lakh for any discipline, and can sometimes process applications before your admit arrives. Apply free through EasyShiksha and a UniCreds expert does the legwork.
UniCreds lending partner- From 10.75% p.a.*
- Up to ₹75 lakh without collateral*
- NBFC
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20,000+ students have funded their studies with UniCreds
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FinZ education loan at a glance
FinZ offers collateral-free loans up to ₹75 lakh for any discipline, and can sometimes process applications before your admit arrives.
- Lender type
- NBFC
- Interest rate*
- 10.75% – 12.75% p.a.
- Loan with collateral
- Not offered
- Loan without collateral
- ₹75 lakh
- Processing fee
- 0.75% – 1.25%
- Margin money
- Nil
- Repayment tenure
- Up to 10 years (including moratorium)
- Moratorium
- 12 – 36 months, depending on course length
- Prepayment charges
- Confirm with your loan expert
- Countries
- All countries
- Apply through
- EasyShiksha × UniCreds (free)
- Typical decision
- After document check by the lender
Highlights, eligibility and documents
Highlights
- Collateral-free loans up to ₹75 lakh
- Graduate, postgraduate, diploma, certificate and doctoral courses
- Processing in about 3 days
- Applications possible before the admission letter, subject to conditions
Who can apply
- 18 or older
- Good academics and test scores
- Co-applicant with regular income and good credit
Documents
Student
- Passport, PAN and Aadhaar
- Address proof
- Admission or offer letter
- Mark sheets and transcripts
- Test scores (GRE, GMAT, IELTS, TOEFL)
Co-applicant
- PAN and Aadhaar
- Salary slips or ITRs (2 – 3 years)
- Bank statements (6 months)
- Business proof if self-employed
Other
- University cost-of-attendance statement
- Scholarship letters, if any
- Property or FD papers for secured loans
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*.
FinZ vs other lenders
Not sure this is the right lender? Compare starting rates and limits, or let your expert shortlist for you.
| Lender | Type | Interest (p.a.)* | With collateral | Without collateral | Processing fee |
|---|---|---|---|---|---|
ICICI Bank
|
Private bank | From 10% | ₹2 crore | ₹1 crore | 0.5% – 1% + GST |
Axis Bank
|
Private bank | From 9.5% | ₹3 crore | ₹75 lakh | 0.5% – 1% + GST |
IDFC FIRST Bank
|
Private bank | From 9% | ₹2 crore | ₹75 lakh | 0.5% – 1% |
YES Bank
|
Private bank | From 11% | ₹2 crore | ₹50 lakh | 0.5% – 1% |
Union Bank of India
|
Public sector bank | From 9.30% | ₹75 lakh | ₹40 lakh (listed universities only) | ₹5,000, refundable |
Punjab National Bank
|
Public sector bank | From 9.25% | ₹2 crore | ₹8 lakh | From 0.5% |
Credila
|
NBFC | From 9.95% | No upper limit | ₹75 lakh | 0.85% – 1% of the loan |
Avanse
|
NBFC | From 10.75% | ₹2 crore | ₹1 crore | 0.5% – 1% + GST |
|
Avanse Global
|
NBFC | From 10% | Not offered | Based on your profile | From 3.99% |
InCred
|
NBFC | From 11.4% | ₹2 crore | ₹75 lakh | From 1% |
Auxilo
|
NBFC | From 11.25% | ₹2 crore | ₹80 lakh | From 0.5% |
Tata Capital
|
NBFC | From 11% | ₹2 crore | ₹75 lakh | 0.5% – 1% |
Poonawalla Fincorp
|
NBFC | From 10% | ₹3 crore | ₹1 crore | From 0.75% |
Edgro
|
NBFC | From 11.5% | Not offered | ₹1 crore | From 1% |
|
FinZ
|
NBFC | From 10.75% | Not offered | ₹75 lakh | 0.75% – 1.25% |
Prodigy Finance
|
International lender | Variable | Not required | Based on your course and school | From 5% |
MPOWER Financing
|
International lender | From 12.99% | Not offered | Up to ₹95 lakh | Ask your loan expert |
*As published by UniCreds, Oct 2026. Final terms depend on your profile and the lender’s assessment.
FinZ education loan FAQs
What is the FinZ education loan interest rate?
10.75% – 12.75% p.a.*. Your final rate depends on your profile, co-applicant, course and university.
How much can I borrow from FinZ without collateral?
₹75 lakh*, depending on your profile. With collateral: Not offered.
What is the moratorium on a FinZ education loan?
12 – 36 months, depending on course length. Repayment tenure: up to 10 years (including moratorium).
What is the FinZ processing fee?
0.75% – 1.25%*. Margin money: nil.
How do I apply for a FinZ education loan through EasyShiksha?
Fill in the free form on this page. A UniCreds loan expert checks your eligibility with FinZ and other lenders, helps with documents and negotiates the offer for you.
Loans for every course
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*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.