A faster, simpler way to apply for your student loan

Applying for a student loan can feel like one more moving part in an already busy process. You’re managing offers, deadlines, deposits, and big life decisions all at once.

Your funding journey should keep up.

That’s why the new Prodigy Finance application experience is designed to help you move from application to decision with more clarity, fewer steps, and better visibility from the start.

Why the application experience has changed

When you’re planning to study abroad, timing matters.

You’re often juggling:

• University offers

• Deposit deadlines

• Visa timelines

• Budget decisions

A complicated or slow loan process can make things harder than they need to be.

Our updated application experience is built around how students actually apply. It focuses on what matters most, removes unnecessary steps, and gives you clearer signals earlier in the journey*.

What makes the new application simpler

The biggest change is focus.

Instead of asking you to work through long, complex forms upfront, the new journey guides you through the key stages in a more structured way:

• School eligibility

• User eligibility

• Education details

• Employment details

• Consent and checks

• Provisional offer planning

Each step has a clear purpose. You always know what’s needed and what comes next.

That means less time spent navigating the process, and more time understanding your funding options.

Earlier clarity, better decisions

One of the most helpful updates is earlier visibility.

You can now see:

• Whether your school is supported

• Whether you meet basic eligibility

• Your potential loan range

And you see this earlier in the process.

Why this matters:

When you’re balancing multiple deadlines, early clarity helps you decide what to do next. You can plan your finances, compare options, and move forward with more confidence.

A more realistic way to plan your funding

Funding your degree isn’t just about tuition.

You also need to think about:

• Living costs

• Deposits

• Scholarships or sponsorships

• Personal savings

The updated provisional offer stage helps you bring all of this together in one place.

Instead of guessing, you can build a clearer picture of what you need and how your loan fits into your overall plan.

For eligible students, deposit financing is also included, which can make early-stage planning more flexible.

Earlier checks, fewer surprises

The application now includes earlier credit bureau assessment.

In simple terms, this means key checks happen sooner in the process rather than later.

In some cases, this includes an Experian autofetch, with a document upload option if needed.

Why this helps:

• You get earlier signals about your application

• You reduce the chance of surprises later

• You can make decisions with more confidence

A dashboard that keeps you on track

Life doesn’t pause while you apply.

You might start your application, take a break, and come back later. The updated dashboard is designed for exactly that.

It clearly shows:

• What you’ve completed

• What’s still pending

• Where to pick up again

Your profile and application details are also organised separately, making everything easier to follow.

Built for real student journeys

International students rarely make decisions in isolation.

You might be:

• Waiting for an offer

• Preparing for a visa

• Planning a move

• Managing part-time work

This application experience reflects that reality.

It’s designed to:

• Reduce repetition

• Provide earlier visibility

• Support faster decision-making

For returning borrowers, it can be even simpler. If your profile is already saved, you may only need to update your school details and complete a fresh assessment if required.

What stays the same

While the experience has improved, the core offering remains the same.

You can still expect:

• A fully online process

• Funding for eligible students 

• Loans designed for international postgraduate study

• For most students, no co-signer, collateral, or insurance required

Repayments begin after your grace period*, and when we send the funds to your school, the process is designed to feel straightforward from start to finish.