Fast Study loan
Easy Student Loans — From $10,000 to $1,000,000
Beating the banks on rates, speed and service.
Instant Cash Boost! Up to $1M at Lightning Speed.
Start almost anything
What we offer
Loan amount
$10,000 - $1,000,000
Interest rate from²
5.95% p.a.
Comparison rate from³
6.15% p.a.
Establishment fee⁴
$275 or $575
Repayment frequency
Weekly, fortnightly, or monthly
Early repayment fee
$0
Loan terms¹
3, 5, 7 or more years
Rate type
Fixed rate
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured & Secured
Flexible Repayment Freedom
Decide how much you want to borrow and pay back over a time that you choose. We never charge monthly or early repayment fees.
How to apply
01
Get to know you
Tell us about the Study loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Empowering Your Education with the Right Student Loan
At Affordable Loan USA, we believe education should never be limited by finances. Whether you’re starting college, completing your degree, or upskilling for your career — we make it easier to move forward with affordable, transparent study loans.
Here’s why students trust us:
✅ We lend directly — no third-party brokers or referral sites.
✅ Fast approvals — simple application, minimal paperwork.
✅ Flexible repayment plans — choose terms that suit your study and income schedule.
✅ Transparent process — clear rates, clear terms, no surprises.
✅ Supportive team — we help you understand your loan and repayment options.
What You Can Use a Study Loan For
You can use your education loan for a wide range of study-related expenses, including:
College or university tuition fees
Books, supplies, and study materials
Accommodation or rent while studying
Transportation and living expenses
Certification or professional training courses
Loan Details at a Glance
| Feature | Details |
|---|---|
| Loan Amount | From $10,000 up to $100,000 based on your need and eligibility |
| Eligibility | U.S. citizens or residents enrolled in an accredited institution |
| Repayment Terms | Flexible — typically from 12 to 120 months |
| Interest Rates | Competitive fixed or variable rates depending on your credit profile |
| Fees | No hidden fees or early repayment penalties |
| Funding Time | Quick disbursal once approved — often within a few business days |
How It Works
Apply Online – Complete our secure application with your education details and financial information.
Quick Review – Our team evaluates your profile and loan requirements.
Approval & Offer – Receive a clear loan offer with full terms and repayment options.
Funds Disbursed – Once approved, funds are transferred directly to you or your institution.
Study with Confidence – Focus on your studies while managing repayments easily
Get a quick estimate
Loan Calculator
Estimated Monthly Repayment
Total Payment: $0
Total Interest: $0
Ready to apply?
Click the button below to apply for a loan.
What our customers say
FAQs
Who can apply for a study loan?
Any U.S. citizen or permanent resident aged 18 or above, enrolled in an accredited educational institution, may apply.
What can I use the loan for?
You can use your student loan for tuition fees, books, rent, or any education-related expenses.
How soon can I get approved?
Many student loans are approved within 24–48 hours after applying
How much can I borrow?
You can borrow between $10,000 and $1,000,000, depending on your study needs, income, and repayment capacity.
Are there any hidden fees or penalties?
No. We offer transparent loan terms — no hidden costs, no setup fees, and no early repayment penalties.
How do I apply?
Simply complete our online application form. It takes only a few minutes, and one of our team members will guide you through the next steps.