Incred Education Loan



7 days Loan Processing Time




Processing Fees

Processing Fees

0.5% - 1.5%



Upto 1 Cr

Non Collateral

Non Collateral

Upto 70 lakhs*

Repayment Tenure

Repayment Tenure

Upto 12 Years

Cosiger Needed

Cosiger Needed


Collateral Loans

Upto 1 Cr

Non Collateral Loans

Up to 70 lakhs*

Features of Incred
Education Loan Abroad

InCred Finance is a contemporary financial services platform leveraging technology and data science to offer a range of loans, including Personal Loans, Education Loans, and SME Business Loans.

Loan Margin: NA

Processing Fees: 0.5% - 1.5%

FeaturesEducation Loan Details
Loan amount

Up to ₹ 70 Lakhs (Non Collateral)

Up to ₹1 Cr (Collateral)

Margin money


Interest rate


Processing fee

0.5% - 1.5%

Processing time

7 Working Days

Loan tenure

Upto 12 Years

Prepayment charges

No Charges*

Countries covered

Offers abroad education loans to study in over 35+ different countries across the world including the USA, Canada, the UK, Germany, Australia, Singapore, France, etc.


Course Duration + 12 months

Benefits of Incred Education Loan

  1. Generous Loan Limits

    InCred provides generous loan amounts, offering up to ₹1 crore for secured education loans and up to ₹60 lakh for Incred education loan without collateral, with the smallest loan available being ₹2 lakh.

  2. Covers all expenses

    Incred education loan for abroad covers up to 100% tuition fees and other educational expenses.

  3. RBI Certification

    InCred, sanctioned by the RBI as a Non-Banking Financial Company (NBFC), is certified to provide educational loans to Indian students, guaranteeing adherence to regulations and dependability.

  4. Flexible Repayment Terms

    InCred offers flexible repayment terms up to 15 years, customised to fit your needs, allowing you to alter the duration according to your financial situation. Additionally, the absence of penalties for early loan repayment gives you the freedom to clear your debt sooner.

How To Apply For Incred

Education Loan For Abroad Studies?

  1. Fill out the form on our website and our team of experts will schedule a call as per your convenience. At Lorien, we make sure that all your doubts and questions are addressed before going ahead with the loan application process.

  2. Our team assists you throughout, from uploading your documents online to submitting them to the banks, ensuring you're supported every step of the way.

  3. Once your documents are uploaded and KYC is completed, you can look forward to your loan being approved within a few working days.

Why Choose Lorien To Get Education Loan From Incred?

  1. Best loans at unbeatable interest rates: Lorien Finance strives to bring you the best possible deals when it comes to student loans. Our experts negotiate on your behalf to get education loans at the lowest possible interest rates.

  2. Effortless Process: All you need to do is fill out the form on Lorien Finance’s website. Yes, it’s that simple! Our team will take it up from there, making it a hassle-free process for you.

  3. 100% Free Assistance: Lorien doesn’t charge any processing fee or commission for student loans for your study abroad journey!

  4. Quicker Loans: With constant application tracking and status updates, our experts ensure that your education loan for studying abroad is sanctioned as early as possible.

  5. Higher chances of approval: In case of any missing documents or other issues, Lorien’s team promptly reaches out to the bank to find solutions. This, in turn, increases your chances of getting a study loan for your overseas education.

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Eligibility Criteria For Incred Education Loan Abroad

  1. Eligibility Criteria for Borrower

    1. The applicant must be 18 years or older.
    2. The applicant must be an Indian citizen.
    3. The applicant must have an admission in a recognised foreign university.
    4. The applicant must have completed relevant standardised exams like GRE, GMAT, TOEFL, or IELTS, or have a university waiver letter.
  2. Eligibility Criteria for Co-Borrower

    1. The co-applicant must be a close blood relative of the applicant, such as a parent or sibling.
    2. The co-applicant must be actively employed and must have filed Income Tax Returns for the previous 2-3 years.
    3. A favorable CIBIL score is also required.
    4. The co-applicant must have a favourable CIBIL score.
  3. Eligible Countries

    1. USA
    2. UK
    3. Canada
    4. Singapore
    5. New Zealand
    6. UAE
    7. Germany
    8. Ireland
    9. Australia
  4. Documents Required

  5. For Applicant:

    1. KYC documents including Aadhar card, PAN card, and Passport.
    2. A recent coloured photograph.
    3. Mark sheets for 10th, 12th, and Graduation.
    4. Scores from English proficiency tests (IELTS, TOEFL, PTE) or a waiver letter from the university.
    5. Entrance exam results (GRE, GMAT, SAT, ACT, CAT, etc.) or university waiver letter.
    6. The acceptance letter from your College/University, if received.
    7. Any scholarship award letters, if applicable.
    8. The last three months' salary slips, for employed applicants.

Expenses Covered By Incred Education Loan

  1. Tuition fees
  2. Hostel and accommodation costs
  3. Food and mess charges
  4. Insurance premiums
  5. Refundable and non-refundable cautionary deposits
  6. Examination fees
  7. Costs for purchasing books and stationery
  8. Expenses for buying a laptop or computer


Bringing answers to your questions

  • Who can apply for an InCred student loan?

    Indian citizens or passport holders, including Non-Resident Indians (NRIs) with an Indian passport and individuals with Overseas Citizen of India (OCI) or Person of Indian Origin (PIO) cards, enrolled or planning to enroll in a qualified course, are eligible to apply. The co-signer must also be an Indian national. Additional conditions may be applied to these applicants and co-signers on an individual basis.

  • What countries qualify for InCred student loans?

    At present, InCred provides student loans for approved courses in the United States and Canada. For certain study programs, InCred might also evaluate loan requests for additional countries.

  • What is the range of loan amounts available through InCred?

    The maximum loan amount is limited to the full cost of attendance as certified by your university for the entire course duration, up to INR 1 crore, minus any scholarships or other funding received. The minimum loan amount available is INR 2 lakhs, with at least INR 1 lakh required for disbursement.

  • Am I eligible for a loan if I haven't been admitted to a course yet?

    Yes, you can apply once you have your standardized test scores. If you're not taking a test or wish to apply before getting your scores, you can start the loan application as you're short-listing or applying to universities or colleges.

  • Do I need a co-signer?

    To get an Incred education loan it is mandatory to have a co-signer.

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