Fund your dreams.
Build your future.
Education loans for India and abroad - without pledging your family's property. EMIs starting at ₹2,000. Approval even with a monthly income of just ₹20,000. Backed by tie-ups with India's leading banks.
- ✓ No property required
- ✓ EMI from ₹2,000
- ✓ Income from ₹20K
- ✓ Zero hidden fees
Loans facilitated through India's most trusted lenders.
We don't lend ourselves. We negotiate with 15+ banking and NBFC partners on your behalf - so you get the lowest rate, the right structure, and the loan that actually fits.
Built for students.
Trusted by parents.
We don't lend ourselves. We're an advisory that partners with India's leading banks to find the loan that fits you - for UG, PG, and executive programs, in India or abroad. We negotiate the rate down and stay with you until disbursement.
No property. No collateral.
Collateral-free education loans for both UG and PG programs - Bachelor's, Master's, and PhD. No property pledges, no fixed deposit security needed.
EMIs from ₹2,000 / month
Manageable monthly payments designed around what students and families can actually afford. No payment shock at the end of your course.
Approval from ₹20K income
Most banks demand high household incomes. We work with lenders who approve based on your future earning potential - not just current paychecks.
Lowest interest, zero hidden fees
We negotiate the best market rates on your behalf. What you see in the sanction letter is what you pay - no processing surprises later.
15+ leading banking partners
Banks and NBFCs evaluate your file simultaneously. We send your application only to lenders most likely to approve.
Expert guidance, end-to-end
From documentation and bank meetings to disbursement and follow-ups - your dedicated counselor stays with you through every step.
Studying abroad? We cover the world.
Loans facilitated for top universities across 25+ countries - and for every premier institution within India too.
+ many more. Ask your counselor about your specific destination.
The right loan, not just any loan.
Four core products covering every education path. We'll match you to the one that minimizes your total cost - not just your monthly EMI.
Collateral-free Education Loan
- Approval with monthly income from ₹20,000
- Covers tuition, hostel, books, travel
- Tax benefits available under Section 80E
Secured Education Loan
- Property, FD, or insurance as collateral
- Best for premium MBA & STEM programs
- Longer 15-year repayment tenure
Study Abroad Loan
- USD/INR disbursement options
- Pre-admission sanction available
- Bank tie-ups for fastest approvals
Domestic Education Loan
- Pre-admission and post-admission options
- Flexible moratorium up to course + 1 year
- Co-signer typically a parent or guardian
Easy 3-Step Process.
From your first call to your tuition reaching the university - one process, one counselor, no chasing branch managers.
Talk to us
~ 2 minutesCall us or message on WhatsApp. Tell us your goal - university, course, country, budget. Our counselor will reach out within the hour.
Get matched & compare
~ 24–48 hoursWe pre-vet your profile against 15+ partner banks. Receive comparable offers in one place. We negotiate the rate down further on your behalf.
Sign, disburse, done
~ 5–7 daysPick your offer. We coordinate documents and bank tie-up. Your tuition lands in the university account before the deadline.
Know your numbers before you call.
Estimate your EMI and check your eligibility - instantly, in your browser. No data sent anywhere.
Estimates are indicative. Actual offers depend on your profile, course, university, and lender criteria. Talk to a counselor for a real quote.
Designed around what students actually need.
Big advertised numbers don't put a student in a classroom. These four - the ones that determine whether you can actually take the loan - do.
EduCred Global Consultants is an independent education-loan advisory based in Jalandhar, Punjab. We work with banks and NBFCs across India to find the loan that fits you best.
Study anywhere in the world. Or right here in India.
Whether you're heading to an Ivy League, a German technical university, or an IIM in your home state - we have a banking relationship that fits.
Don't see your destination? We facilitate loans across 25+ countries - ask your counselor.
Different students. Different journeys.
Three banks rejected me because we don't own property. EduCred got me a ₹35L collateral-free loan in nine days. My family didn't have to mortgage anything.
What I valued most wasn't the rate - it was that Abhinav sir picked up the phone at 11pm IST when I was filling out my admission form. That kind of care is rare.
Our family income is ₹22,000 a month. Every other agent told us a loan wasn't possible. EduCred made it happen. My daughter starts at IIM Indore in July.
I had a confirmed admit from NYU but couldn't find a bank willing to fund without collateral. EduCred had a sanction letter ready in eleven days flat.
I was nervous about the paperwork - first person in my family to study abroad. The team handled every form, every bank meeting. I just had to sign at the end.
Compared three offers in one place. EduCred negotiated 0.5% off the rate I would have got walking into the bank myself. That's lakhs saved over the tenure.
I'm doing my BTech in Bangalore but family was worried about taking a loan. EduCred showed us EMI plans starting at ₹2,500/mo - totally manageable.
Got rejected by SBI directly. EduCred routed my file to a private bank that approved within a week. Same profile, different bank, completely different outcome.
Three banks rejected me because we don't own property. EduCred got me a ₹35L collateral-free loan in nine days. My family didn't have to mortgage anything.
What I valued most wasn't the rate - it was that Abhinav sir picked up the phone at 11pm IST when I was filling out my admission form. That kind of care is rare.
Our family income is ₹22,000 a month. Every other agent told us a loan wasn't possible. EduCred made it happen. My daughter starts at IIM Indore in July.
I had a confirmed admit from NYU but couldn't find a bank willing to fund without collateral. EduCred had a sanction letter ready in eleven days flat.
I was nervous about the paperwork - first person in my family to study abroad. The team handled every form, every bank meeting. I just had to sign at the end.
Compared three offers in one place. EduCred negotiated 0.5% off the rate I would have got walking into the bank myself. That's lakhs saved over the tenure.
I'm doing my BTech in Bangalore but family was worried about taking a loan. EduCred showed us EMI plans starting at ₹2,500/mo - totally manageable.
Got rejected by SBI directly. EduCred routed my file to a private bank that approved within a week. Same profile, different bank, completely different outcome.
Got rejected by SBI directly. EduCred routed my file to a private bank that approved within a week. Same profile, different bank, completely different outcome.
I'm doing my BTech in Bangalore but family was worried about taking a loan. EduCred showed us EMI plans starting at ₹2,500/mo - totally manageable.
Compared three offers in one place. EduCred negotiated 0.5% off the rate I would have got walking into the bank myself. That's lakhs saved over the tenure.
I was nervous about the paperwork - first person in my family to study abroad. The team handled every form, every bank meeting. I just had to sign at the end.
I had a confirmed admit from NYU but couldn't find a bank willing to fund without collateral. EduCred had a sanction letter ready in eleven days flat.
Our family income is ₹22,000 a month. Every other agent told us a loan wasn't possible. EduCred made it happen. My daughter starts at IIM Indore in July.
What I valued most wasn't the rate - it was that Abhinav sir picked up the phone at 11pm IST when I was filling out my admission form. That kind of care is rare.
Three banks rejected me because we don't own property. EduCred got me a ₹35L collateral-free loan in nine days. My family didn't have to mortgage anything.
Got rejected by SBI directly. EduCred routed my file to a private bank that approved within a week. Same profile, different bank, completely different outcome.
I'm doing my BTech in Bangalore but family was worried about taking a loan. EduCred showed us EMI plans starting at ₹2,500/mo - totally manageable.
Compared three offers in one place. EduCred negotiated 0.5% off the rate I would have got walking into the bank myself. That's lakhs saved over the tenure.
I was nervous about the paperwork - first person in my family to study abroad. The team handled every form, every bank meeting. I just had to sign at the end.
I had a confirmed admit from NYU but couldn't find a bank willing to fund without collateral. EduCred had a sanction letter ready in eleven days flat.
Our family income is ₹22,000 a month. Every other agent told us a loan wasn't possible. EduCred made it happen. My daughter starts at IIM Indore in July.
What I valued most wasn't the rate - it was that Abhinav sir picked up the phone at 11pm IST when I was filling out my admission form. That kind of care is rare.
Three banks rejected me because we don't own property. EduCred got me a ₹35L collateral-free loan in nine days. My family didn't have to mortgage anything.
Questions worth answering well.
Can't find your question? Talk to a counselor. Real human, weekday or weekend.
Your global future
is just one call away.
Talk to a real human counselor - no chatbot, no IVR. We'll tell you honestly whether a loan works for you, what it'll cost, and how quickly we can get it sanctioned.