Save over $20,000* on the life of your loan 

Since graduation, your situation has changed. Isn’t it time your rate changed too? We want to pay off your existing loan, and replace it with a lower rate that saves you money.

Get rates from 4% + LIBOR**
Get rates from 4% + LIBOR**


Choose flexible loan terms
Choose flexible loan terms


Release your co-signer
Release your co-signer


Consolidate your student loans
Consolidate your student loans


Make early repayments without fees
Make early repayments without fees


Pay off your loan with our mobile app
Pay off your loan with our mobile app


Here’s how to get started

Refinance how it works


  1. Get your commitment-free quote in 10 minutes - no impact to your credit score.

  2. Happy with your quote? Submit your application.

  3. Upload your supporting documents and finalise your loan.

  4. Set up your payments through our mobile app and you're done.

For international graduates, by international graduates


We can refinance international graduates, who are living and working on any visa in the UK or eligible US states, and who studied a masters degree at any of our 285 universities globally.  

Supported programs include business and MBAs, engineering, medical including pharmaceutical, nursing and dentistry, law and public policy, amongst others.

We support working graduates on any visa, including F1-OPT, H1B, L1 and O-1 amongst others.

You can check your eligibility, and get your quote, by answering a few questions here.  


Jaime, refinanced his loan with Prodigy Finance, allowing him to cut his repayment time in half.

Refer a friend and earn up to USD $300

Know someone who wants to pay off their loan sooner?

With our referral programme, anyone can refer a friend and earn a USD $150 Amazon voucher for your first two successful referrals - meaning you could earn up to $300.

Plus, you'll be helping one of your friends save over $20,000* on their student debt!

Discover more about refinance on our blog

Terms and Conditions Apply.

Prodigy Finance reserves the right to vary or discontinue this program at any time without notice. To qualify, borrowers must meet Prodigy Finance eligibility and underwriting requirements.

Prodigy Finance Limited is incorporated in the United Kingdom (Company Number 05912562) and authorised and regulated by the Financial Conduct Authority (firm registration number 709641) for consumer credit activities. Prodigy Finance Limited loans are offered to eligible borrowers and the loans are governed by English law.

*Saving is based on a representative variable APR of 6.46%. Savings calculation of over $20,000 is based on the following terms: i) the interest rate applicable to the loan offered by Prodigy Finance is at least 2% less than the rate applicable to the current 3rd party loan, ii) the term of the loan is the same or shorter as the term applicable to the current 3rd party loan; iii) the interest rate remains the same over the terms of the loan, iv) instalments are paid monthly before the due date, and v) no partial of full repayments are made before the end of the term. Illustrative example: Current student loan: $100,000 at 8.49% APR with 15-years remaining on the loan; compared with Prodigy Finance refinanced loan: $100 000 at 6.46% APR with a 15-year loan term. 

** Over the 3-month USD Libor base rate. This minimum margin rate is subject to change. If you are approved for a loan, the interest rate will depend on your credit profile, your application and loan term.

Representative example:

  • Loan size: $100,000
  • Interest rate: 4% over 3-month US LIBOR (LIBOR varies over the duration of the loan. As of 1st October 2018, it is 2.39%)
  • Representative APR: 6.46% APR (interest accrued between the disbursement date and your first repayment date will be capitalised onto your principal balance at the first repayment date on the 28th of the following month)
  • Duration: Repayment period of 15 years
  • Total amount payable: $156,555.88
  • Amount of each monthly payment: $869.75
  • No fees apply