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Personal Loan
Personal Loan for Education | Student Loans Online
Apply for a personal loan for education with quick approval, easy eligibility, low interest rates, and flexible repayment options.
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Loan Purpose Guide
Fund Your Education with Instant Personal Loans
Education is an investment in your future. At PaisaOne, personal loans for education help students and parents fund higher education without financial limitations. Whether it's college tuition, professional courses, abroad education, or skill development programs, education loans provide flexible amounts from ₹50,000 to ₹10+ lakhs. Competitive interest rates starting 9.99% p.a. make education loans affordable. The quick application process, online registration, instant approval, funds within 15-30 minutes, means you can enroll without delays. No collateral required, making education accessible regardless of family assets. Soft inquiry protects CIBIL while accessing education financing. Flexible repayment terms from 12-60 months allow you to start repayment after course completion or during studies. Compare 30+ lenders to find the best education loan rates and most favorable terms. Some lenders offer special education loan features including co-applicant options and income-based repayment. Whether pursuing undergraduate, postgraduate, professional certification, or international education, education loans from PaisaOne help you achieve academic goals without financial constraints.
✓No collateral or security required
⚡Quick approval and fast disbursal
%Fixed EMIs for transparent planning
Trusted by leading
financial partners
HDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
Personal loan at a glance
No paperwork, no branch visit, no impact on your score. Two minutes end to end.
Loan amount₹5K - ₹1 Core
Interest rate9.99% - 21% p.a.
Processing fee10% - 18% +GST
Tenure02 - 60 months
DisbursalIn 10 minutes*
Rate and charges
Interest rates, fees and charges
Charges vary by lender and your profile. Every offer on PaisaOne shows these upfront, and your lender's Key Fact Statement (KFS) confirms them before you sign.
Fee typeApplicable charges
Interest rate10.49% – 24.00% p.a.
Processing fee0.50% – 3.50% of loan + GST
Annual Percentage Rate (APR)11.00% – 36.00%
Foreclosure chargesNil – 4% of outstanding
Part-prepaymentNil – 2% (as per lender policy)
Penal charges (late EMI)2% per month on overdue amount
EMI bounce charge₹450 – ₹1,000 per instance
Stamp dutyAs per state laws
Representative example
Loan amount₹1,00,000
Interest rate15% p.a.
Tenure12 months
Processing fee (incl. GST)₹200
Monthly EMI₹10,563
APR39%
Total payable₹1,10,000
Eligibility
Who can apply?
NationalityIndian resident
Age21 - 58 years
Monthly income₹20,000+ in-hand salary
Work experience12 months+ in current job
Credit score680+ preferred
Documents
Keep this handy
PAN card
Mandatory identity proof
Aadhaar (for e-KYC)
Linked to your mobile number
Bank statement
Last [3–6] months, or link via Account Aggregator
Income proof
Salary slips or ITR, only if the lender asks
How it works
Money in your account in 4 steps
- 1
Verify your mobile
Enter your number and confirm with OTP.
- 2
Share basic details
PAN, employment type and monthly income.
- 3
Compare & choose
Pick the offer with the EMI and cost that suit you.
- 4
Complete KYC & get funds
Finish e-KYC and e-sign with the lender: money goes straight to your bank.
Why PaisaOne
One application. Every lender worth considering.
Eligibility in minutes
Fill one short form and we match you with lenders whose criteria fit your profile.
100% digital
PAN, Aadhaar-based e-KYC and bank verification online. No branch visits, no paperwork.
No collateral
Unsecured loans. No guarantor, no security deposit, no assets pledged.
Costs shown upfront
Every offer shows the total repayable and APR, so there are no surprises after you sign.
Your data stays safe
Shared only with lenders you choose, with your consent, over encrypted connections.
EMI Calculator
Plan your EMI before you apply
₹10,000₹2,00,00,000
3 months60 months
10%36%
Your EMI calculation
Principal amount
₹3,00,000Total interest
₹79,696Monthly EMI
₹10,547
Total payable
₹3,79,696
Loans for every need
What will you use it for?
The PaisaOne difference
PaisaOne vs applying to one lender
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Process
PaisaOneRecommended
Multiple lenders, side by side
One form for all lenders
Rate, fees, EMI and APR in one view
Shown lenders whose criteria fit you
100% online, track in one app
One lender's offer
Repeat for every lender you try
Compare manually across sites
Apply and wait for one decision
Varies; may need branch visits
10 Lakh+
Customers served
₹500 Cr+
Loan facilitated
50+
Lending partners
4.6
Customers review
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Real people. Real progress.
Thousands of salaried professionals and business owners trust PaisaOne to achieve their financial goals.
50,000+Happy Customers
4.8/5Average Rating
90%Would Recommend
4.9 Star Verified Reviews
Frequently Asked
Personal loan questions, answered.
Find clear answers about personal loan eligibility, interest calculations, prepayment guidelines, and application tracking.
01What education expenses can a education loan cover
01What education expenses can a education loan cover
School fees, college tuition, professional courses, entrance exams, coaching, study materials, and skill development programs.
02Can I get an education loan for my child's studies
02Can I get an education loan for my child's studies
Yes, parents can borrow for children's education. You can also get loans for your own education or professional development.
03What's the maximum loan amount for education
03What's the maximum loan amount for education
Education loans up to ₹10 lakhs are available based on the course and your income.
04Can I defer EMI payments while studying
04Can I defer EMI payments while studying
Some lenders offer deferment options. Check with us about EMI deferment based on your specific situation.
05Are there special interest rates for education loans
05Are there special interest rates for education loans
Education loans start from competitive rates (9.99% p.a. onwards) with flexible repayment options.
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