What’s different about the new Prodigy Finance application, and what does it mean for you?

Planning to fund your degree often comes with tight timelines and big decisions. You’re comparing offers, thinking through costs, and trying to move forward with confidence.

Your loan application should help, not slow you down.

The new Prodigy Finance application experience is designed to make that journey simpler, clearer, and easier to navigate from the very start*.

So, what’s actually changed?

The short answer is this: the process now focuses on what matters most.

Instead of asking you to work through long, detailed steps upfront, the updated application moves through key stages in a more direct and structured way. You’ll go through:

• School eligibility

• User eligibility

• Education details

• Employment details

• Consent and checks

• Provisional offer planning

Each stage is there for a reason. You’re not spending time on steps that don’t move your application forward.

Will the application take less time?

In most cases, yes.

The new experience removes unnecessary fields and simplifies the journey from the beginning*.

That means:

• Fewer repetitive questions

• A clearer flow from one step to the next

• Less time spent navigating the process

It’s designed to help you focus on your funding options, rather than the application itself.

When will you know if you’re eligible?

One of the biggest improvements is that school eligibility and user eligibility are now clearer and appear sooner* in the journey.

Why this matters:

If you’re balancing multiple offers or deadlines, knowing where you stand early can help you decide your next move without investing extra time in a full application.

What’s changed in the provisional offer stage?

This stage is now more practical and more aligned with real student needs.

Instead of working with rough estimates, you can now plan your funding based on:

• Tuition fees

• Living costs

• Deposit requirements (where relevant)

• Scholarships or sponsorships

You’ll also see your potential loan range earlier*, which gives you a stronger starting point for planning.

This makes your application feel less like guesswork and more like a structured plan.

Why is the credit check earlier now?

The bureau assessment now happens before the provisional offer stage.

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

This change is designed to:

• Bring clarity earlier in the process

• Reduce uncertainty later on

• Help you understand your position sooner

For you, that can mean fewer surprises and a smoother journey overall.

Can you plan your funding more clearly?

Yes, and this is one of the biggest improvements.

The updated application helps you bring all parts of your funding together in one place. You can think through:

• What your total costs might look like

• How much you already have (savings, scholarships, support)

• What you may need from a loan

For eligible students, deposit financing is also part of the experience, which can help with early-stage planning.

What if you’re applying again?

The process is lighter than before.

Your profile information is now saved separately from your application. That means if you return later, you may only need to:

• Add your new school details

• Complete a fresh bureau assessment (if required)

You won’t have to start from scratch.

What can you track in the dashboard?

The dashboard is designed to keep things simple and clear.

You can easily see:

• What you’ve completed

• What still needs your attention

• Where to continue if you paused

It’s especially useful if you’re managing your application alongside other commitments.

What does all of this mean for you?

It means a more straightforward way to apply.

The new experience is designed to:

• Reduce friction

• Give you earlier visibility

• Help you plan with more confidence

It reflects how international students actually make decisions, often balancing multiple priorities at once.

For most students, no co-signer, collateral, or insurance is required. Repayments begin after your grace period (depending on your loan terms), and when we send the funds to your school, the process is built to feel clear from start to finish.