Your future is your collateral: Understanding Prodigy Finance’s unique lending model
Your future potential is your strongest asset. Discover how Prodigy Finance’s no-collateral, no co-signer loans help ambitious international students fund their master’s and shape their careers.
If you’re a high-achieving international student, you’ve probably run into the same barrier many times: banks ask for collateral, a local credit history, or a co-signer you don’t have. Prodigy Finance was built for students like you. We look at where you’re going—not just where you’ve been. In our model, your future potential becomes your collateral.
You’ll see the terms “Prodigy Finance: student loans,” “Prodigy student financing,” and “international student loans without co-signer” used a lot online. Here’s what that actually means in your life, and why our eligibility criteria are different.
How our loans work
We assess your potential. We review signals of future earning power: your university and programme, the strength of your field, and your academic and professional track record.
We keep the journey borderless. We support a wide range of schools and programmes across multiple countries, so you can study where the opportunity is highest.
We design repayment around real life. You study now and start loan payments after your course ends, following a grace period that gives you time to settle into work*. Your rate and terms are personalised to your profile and programme*.
We send funds straight to your school. We pay your university directly according to their timelines, so tuition gets covered on time when we send the funds to your school*.
Why our eligibility criteria look the way they do
We’re transparent about the “why” behind our criteria because you deserve to plan with confidence.
Programme strength matters. We focus on programmes that typically lead to strong career outcomes. This helps us keep lending accessible and sustainable for more students over time.
Supported schools reduce friction. When your university confirms key details, we can align funding with their timelines and requirements*.
Local rules differ. Regulations and operational needs vary by country. You may see different documents or steps depending on your citizenship, where you’ll study, and your chosen programme*.
Your profile shapes your offer. Your experience, academic record, and future field help us tailor your loan terms.
Smart ways to fund your degree with Prodigy Finance
Prodigy Finance offers no collateral, no co-signer loans to international students (from over 120+ countries) to fund their master's abroad. It’s built for international postgraduates who want simple, global support without asking family to pledge assets. Many students combine Prodigy Finance student loans with international scholarships for master's and savings to reduce overall costs. If you receive a scholarship, you can include it in your application so we can right-size your funding*.
What to expect next (step by step)
Check your eligibility: Start with a quick online application. You’ll share your school, programme, and study plans so we can show you a personalised quote.
Complete your application: If you like what you see, move forward with the full application. This is where you’ll add your academic, financial, and personal details to help us assess your future potential.
Upload your documents: Submit the essentials like your passport, admission letter, and academic transcripts. We’ll guide you through what’s needed at each step.
Review your final offer: Once we’ve reviewed everything, we will match you with our available funding. Once matched, you’ll receive your loan offer. Take time to go through the details and accept it when you’re ready.
Funds sent direct-to-school: When your school term starts, we'll send the funds directly to them according to their payment schedule. You can focus on your studies, knowing your fees are covered.
Repay after your grace period: Loan payments begin only after your grace period (depending on your loan terms), giving you time to settle into your career before repayment starts.
Do I need a co-signer?
How much can I borrow?
When do repayments start?
Can I apply if I have a scholarship?
