We operate online for borderless efficiency so do not have offices that you can visit. Our team is based in London, New York and Cape Town and are pleased to help you with any query. Please visit our Contact Us page for more information. We are also frequently on campus at our schools, visit our Events page to learn more.
Prodigy Finance was born in 2007, as the founders lamented the challenges faced by international postgraduate students in financing their business school degrees. From the outset, we have focused on social impact.
Traditional lenders use credit history to assess risk which varies from country-to-country and is rarely transferable if you move abroad. To resolve this and support students looking to study abroad, we developed a borderless risk algorithm using future earning potential, home credit history and many additional data points to create a unique and holistic profile of each applicant. This means we can offer cross-borders loans at competitive interest rates, without requiring collateral or a co-signer.
Prodigy Finance raises funding for our loans from several investor sources, including community investors, institutional funding, and other private investors with an interest in higher education. These funds are sent directly to the education institution, via an Irish Stock Exchange listed bond. Click here to learn more.
Our pioneering credit model determines the creditworthiness of each application; and our credit committee assess numerous variables such as the school’s requirements, student’s credit history, outstanding liabilities, savings, pre-study salary and expected salary post-graduation amongst many others. As a result, the interest rate we offer is tailored to the individual applicant.
Investing - Risk Policy
Investment is restricted to high net worth and sophisticated investors who can demonstrate that they have sufficient knowledge and experience to understand the risks of investing. Risks include the potential loss of capital and limited liquidity. Capital at risk. Investments are long term and it may not be possible to sell your investment prior to maturity. See our full Risk Warning and Terms and Conditions.
© Prodigy Finance Limited 2007 - 2019. All Rights Reserved. Prodigy Finance Limited is incorporated in the United Kingdom (Company Number 05912562) with its registered address at Palladium House 1-4 Argyll Street, London, W1F 7LD and registered with the Office of the Information Commissioner (Reg. No. Z9851854). Prodigy Finance is authorised and regulated by the Financial Conduct Authority (firm registration number 709641) for certain consumer credit activities and for investment activities for investors who have agreed to its terms. Prodigy Finance loans are offered to eligible borrowers who are studying outside of their country of residence and the loans are governed by English law.
Prodigy Services Limited is incorporated in the United Kingdom (Company Number 10201413) with its registered address at Palladium House 1-4 Argyll Street, London, W1F 7LD. Prodigy Services is an appointed representative of Sapia Partners LLP which is authorised and regulated by the Financial Conduct Authority. Prodigy Services Limited promotes offers of securities for third party issuers to eligible investors.