EasyShiksha × UniCreds education loans
Got the admit? Let’s fund it.
Compare study abroad education loans from 20+ banks and NBFCs, with free expert help from EasyShiksha and UniCreds, from first question to sanction letter.
- 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 loan eligibility
Takes 30 seconds. A loan expert calls you back.
Private & secure
No fee, ever
Call back in 1 working day
Why students get their loan through EasyShiksha
We’ve teamed up with UniCreds, the education loan marketplace, so you get expert help and better offers without running from bank to bank.
banks and NBFCs compared for you. Fill one form, get matched with the lenders most likely to say yes.
Interest rates start here
For a sanction, once you’re eligible
Saved on interest with negotiated rates
Loan experts ready when you are
What you pay us. Free for students, with reduced processing fees from lenders.
Options up to ₹45 lakh*, and up to ₹1.5 crore* with security. Up to 100% of costs funded*.
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
Studying abroad costs a lot. A loan can cover all of it.
Tuition, rent, food, flights, insurance: it adds up fast. Lenders can fund up to 100% of these costs*, so you can focus on getting there.
Example study budget
Master’s in Canada, 2 years
- Tuition
- ₹30,00,000
- Living costs
- ₹18,00,000
- Flights & insurance
- ₹1,50,000
- Total
- ₹49,50,000
Illustrative figures. Your expert works out your real numbers with you.
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*.
Loans for every course
See costs, eligibility and lenders for your programme.
Free loan tools
Plan your budget and repayments before you apply.
Education loans by country
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
- Germany Intakes: Winter semester (Oct) Loan guide
- Ireland Intakes: September (main) Loan guide
- France Intakes: September (main) Loan guide
- New Zealand Intakes: February (main) Loan guide
A quick note for parents
Most education loans need a co-applicant, usually a parent, sibling, spouse or guardian. Lenders look at their income and credit history to decide how much you can borrow, and at what rate.
Not sure your family qualifies? Fill in the form together. The loan expert explains what each lender needs, and which options don’t need property as security.
- Steady income, shown through salary slips, ITRs or bank statements
- Good credit score, usually above 700
- Living in India (some lenders accept NRI co-applicants)
- ID and address proof, like Aadhaar and PAN
- Property or a fixed deposit, only for bigger secured loans
Collateral or no collateral?
Both can fund up to 100% of your costs*. It comes down to how much you need and what your family can offer as security.
| No collateral | With collateral | |
|---|---|---|
| How much | Usually up to ₹45 lakh*; up to ₹1 crore with some lenders | Up to ₹1.5 crore* and more with some lenders |
| Security | None. Based on your admit and your co-applicant’s income | Property or fixed deposit |
| Interest | Generally higher | Generally lower |
| Best for | Strong admits, STEM and management courses | Pricier or longer courses, bigger amounts |
| Learn more | Collateral-free loans | Secured loans |
More than a loan
Through UniCreds and its sister brand UniAcco, find a place to live near your university at no extra cost, and get discounts on the essentials for moving abroad.
Save up to £1,500* on 15+ services
Student accommodation
Foreign exchange
Student travel cards
Travel insurance
GIC for Canada
Student bank account- Accommodation financing
Visa assistance
Flight bookings
Airport pickup
SIM card setup
Luggage shipping
Guarantor services
Frequently asked questions
What does a study abroad education loan cover?
Tuition, living costs, travel and other study expenses such as health insurance, a laptop and exam fees, up to the amount the lender sanctions.
Who can apply?
Indian students with an admission offer, or applying, to a recognised university abroad. Most lenders also need a co-applicant with a stable income, usually a parent.
Do I pay anything to EasyShiksha or UniCreds?
No. Checking eligibility and getting help from a loan expert is free for students.
How much can I borrow?
Secured loans go up to around ₹1.5 crore or more, and collateral-free loans usually up to around ₹45 lakh, with some lenders going higher.
Do I need property as collateral?
Not always. Many students get collateral-free loans based on their admit and their co-applicant’s income. Bigger amounts usually need security.
Who actually gives me the loan?
A bank or NBFC from UniCreds’ partner network. EasyShiksha connects you to UniCreds, and UniCreds helps you choose and apply to the right lender.
Got the admit? Let’s get it 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.