By participating in the Prodigy Finance Community Referral Programme (the “Referral Programme”), you agree to be bound by these official rules (these "Rules") and our privacy policy (published on our website at THIS REFERRAL PROGRAMME IS VOID IN JURISDICTIONS WHERE IT IS PROHIBITED.

The promoter of the Community Referral Programme is Prodigy Finance Ltd (incorporated in England with company number 05912562), with its registered address at Palladium House, 1-4 Argyll Street, London, W1F 7LD ("Prodigy Finance").

  1. Eligibility to participate in the Referral Programme: All persons who have who have signed up and activated an account on and who are current Prodigy Finance registered customers (except for Prodigy Finance refinanced loans), may participate in the Referral Programme (“Referrers”). Referrers must be resident in the supported countries and states for which Prodigy Finance is able to offer funding (see our FAQ for ineligible regions). Current employees and agents of Prodigy Finance or any of its subsidiary or affiliated companies and their immediate families and members of their households and anyone otherwise connected with operation or fulfilment of the Referral Programme may not participate in the Referral Programme and shall not be eligible to receive a referral award.
  2. Referrals. To make a referral, Referrers must log into their Prodigy Finance account dashboard and visit the “Refer a Friend” page. The Referrer may then enter the email addresses of his/her friends, family members, colleagues or business acquaintances whom they believe would be interested in learning about or applying for a Prodigy Finance loan, an automated email shall be sent to each recipient (each, a “Referee”). The Referrer’s unique referral link will be included in the emails with instructions to the Referees to click on the link to apply to Prodigy Finance. The referral link shall be valid for a period of one year from the date of the referral, where after it shall expire automatically.
  3. Referral Award. The referral award will be in the form of an gift card to the value of US$150 (“Award”). A maximum of two awards will be granted for the first two successful referrals made by a Referrer during any calendar year and for the duration of the Referral Programme. An Award shall only be made to a Referrer if one referral is successful. A second Award shall be made to a Referrer if a second referral is successful. A referral shall be successful if Prodigy Finance: (1) approves a student loan in accordance with its credit models and procedures for a new Referee who applied for such student loan by using the referral link allocated to that Referrer, and (2) disburses the loan funds. If two or more Referrers refer the same Referee to Prodigy Finance, which results in a successful referral, the Referrer whose referral link was used first by the Referee shall receive the award. The Referrer shall not receive an Award for his/her own student loan with Prodigy Finance, nor a referral of an existing Prodigy Finance applicant or borrower, nor if the Referee does not use the referral link to apply. The Award is non-exchangeable and non-transferable and cannot be substituted for cash. Prodigy Finance provides no guarantees that the Referrer will be able to access and use the Award in his/her country of residence The Award shall be paid to the Referrer within 30 days of the successful referral, by sending the Amazon voucher as an electronic gift card via email to the email address the Referrer has provided to Prodigy Finance. It is the responsibility of the Referrer to advise Prodigy Finance of any changes to his/her contact details. Any national, federal, state and local taxes and duties are the sole responsibility of the Referrer.
  4. Disclosure of information/privacy. Referrers' names and contact details will be collected, stored and shared by Prodigy Finance in accordance with applicable law and Prodigy Finance’s privacy policy (see as necessary to conduct the Referral Programme.
  5. Limitation of liability: Except to the extent restricted in law, Prodigy Finance will not be liable or responsible for any direct or consequential damage, loss or injury resulting from the Referral Programme or a Referrer’s acceptance and/or use of an Award, or for technical, hardware or software failures, lost, faulty or unavailable network connections or difficulties of any kind that may limit or prohibit Prodigy Finance’s offering of or the Referrer’s ability to participate in the Referral Programme and to access and use the Award (if paid). A referral does not guarantee that Prodigy Finance shall accept or approve a loan application from a Referee and nothing in these Rules will oblige Prodigy Finance to approach a Referee to market or sell its product.
  6. Prohibited conduct: Referrers may only make referrals to personal contacts and indiscriminate bulk uploads (whether manual or through the use of automated devices or third-party services) of email addresses are prohibited. Referrer agrees that (s)he will not publicly advertise Prodigy Finance’s products or name, solicit loan applications, request or accept any compensation from Referees or other parties to make referrals, collect any data or complete any application on behalf of another individual, nor make any misleading or untruthful statements about Prodigy Finance, its business and its products. Any Referrer who acts with regard to the Referral Programme in a manner, which in Prodigy Finance's reasonable determination is contrary to these Rules or by its nature is unjust to other Referrers or Referees (including without limitation tampering with the operation of the Referral Programme; providing false or misleading information when making a referral; cheating; hacking; deception; annoying, abusing, threatening or harassing any other Referrers, Referees or Prodigy Finance and/or any of its agents or representatives; or any other unfair practices) may be excluded from the Referral Programme at Prodigy Finance's sole discretion. Anyone who violates these Rules is ineligible for an Award.
  7. No correspondence: All Prodigy Finance's decisions in relation to the Referral Programme are final and binding in all respects and are not subject to appeal. Should you have any questions on the Referral Programme, please log into your Prodigy Finance account and visit the Referral Programme page ( for more information or email us at Prodigy Finance will not enter into any correspondence with Referrers in respect of the status or progress of referrals, as this relates to confidential information of Referees and our proprietary business practices.
  8. Independent Contractor: The Referrer agrees that (s)he will participate in the Referral Programme as an independent contractor and neither the Referrer nor Prodigy Finance intends to establish an employment, agency or similar relationship. By participating, Referrers confirm that they are not making referrals in the ordinary course of business, but as
  9. Applicable Law: The Referral Programme and these Official Rules are governed by and construed in accordance with English law and the English courts will have exclusive jurisdiction in relation to any disputes. Where applicable, to the fullest extent permitted by law, any such dispute must be brought individually (NOT as part of a class action), with recovery being limited to one’s actual costs in conjunction with participation in the Referral Programme (if any) with all damages or other forms of recovery being expressly waived.
  10. Taxes: RECEIPT OF AWARDS BY REFERRERS MAY BE SUBJECT TO NATIONAL FEDERAL, STATE, PROVINCIAL, LOCAL AND FOREIGN TAX REPORTING AND WITHHOLDING REQUIREMENTS. BY ACCEPTING THE AWARD, REFERRERS EXPRESSLY UNDERTAKE TO SUBMIT REQUESTED DOCUMENTATION TO PRODIGY FINANCE TO PERMIT PRODIGY FINANCE TO COMPLY WITH ALL APPLICABLE TAX LAWS. ALL AWARDS WILL BE NET OF ANY TAXES PRODIGY FINANCE IS REQUIRED BY LAW TO WITHHOLD. ALL TAXES IMPOSED ON AWARDS ARE THE SOLE RESPONSIBILITY OF THE RECIPIENTS. In order to receive an Award, Referrers may be required to submit the tax documentation requested by Prodigy Finance or otherwise required by applicable law, to Prodigy Finance or the relevant tax authority, all as determined by applicable law, including, where relevant, the law of the potential Recipient’s country of residence. The potential Recipient is responsible for ensuring that (s)he complies with all the applicable tax laws and filing requirements. If a Referrer fails to provide such documentation or comply with such laws, the Award(s) may be forfeited.
  11. Right to terminate Referral Programme or amend the Official Rules: Prodigy Finance reserves the right to modify, cancel, terminate or suspend the Referral Programme in whole or in part, at any time at its sole discretion. If and to the extent that the laws of the country in which Prodigy Finance offers funding, invalidates or severely restricts the operation of this Referral Programme, the Referral Programme shall be invalid, and residents of this country shall be excluded from participating in the Referral programme. Awards may be earned only on referred loans that have been funded on or before the date of termination. Prodigy Finance may amend the Rules at any time by posting updated Rules to and/or emailing a copy of the updated Rules to Referrers. Subject to applicable law, any undeliverable Awards shall be forfeited when the Referral Programme is terminated. 

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