Education Loan
Secure Your Future: Hassle-Free Education Loans for Indian Students
Funding shouldn’t stop your global dream. Orient Spectra partners with you to secure the right education loan at the best rates—fast, transparent, and built for your Indian student profile.
25+ Crore in Educational Funding Facilitated for Indian Students.
Global Coverage: UK, US, Canada, Australia, Europe & More.
the reason
Why Choose Orient Spectra for Your Education Loan?
As an Indian consultant, we simplify the complexities of NBFCs, public, and private bank loans. We match your profile to the lender most likely to approve you with the most competitive terms.
Profile-to-Lender Matching
Don't waste time. We assess your profile and co-applicant's income to shortlist the top 5 lenders where you have the highest chance of approval.
Interest Rate Negotiation
Our long-standing partnerships allow us to help you negotiate for lower interest rates (starting at competitive market rates) than you'd get walking into a bank alone.
Dedicated Financial Advisor
Get a personal Funds Specialist to guide you through documentation, application submission, and sanction letter verification—from start to disbursement.
Documentation & Compliance
Full support for Indian KYC, collateral valuation, and CIBIL score checks, ensuring a smooth, compliant application process.
Zero Consultation Fee
Orient Spectra provide loan guidance as a value-add service to our students, ensuring a zero service charge from our side for the consultation.
Explore Your Funding Paths
We help you navigate the two main loan structures popular among Indian students:
| Loan Type | Collateral | Loan Amount (Typical) | Ideal For |
| Collateral-Free Loan (Unsecured) | Not Required | Up to ₹75 Lakhs (varies by lender/university ranking) | Students with excellent academic records and co-applicants with high/stable income. |
| Secured Loan (Against Property/FD) | Property, Fixed Deposits, or other liquid assets. | ₹50 Lakhs to ₹1.5 Crore+ | Students seeking lower interest rates and larger loan amounts for premium universities or high-cost destinations. |
Our simple 5 steps process
Faster, simpler, and better—get your loan sanction letter in hand quickly.
01
Submit Your Query : Complete the form above and tell us your university and financial needs.
02
Profile Assessment: Our Funds Specialist conducts a free consultation to review your CIBIL score, co-applicant profile, and required documents.
03
Lender Shortlisting: We present you with the best-fit loan products and estimated interest rates from our partner banks/NBFCs.
04
Documentation & Application: We prepare your file, checklist your documents, and handle the formal application submission to the chosen lender.
05
Sanction & Disbursement: We track your application, assist with any collateral valuation (if needed), and coordinate the final loan disbursement.