Need money to study abroad? Collateral-free funding program may help you!
Congratulations to those who’ve already got offers for 2020 programmes! The next step is sorting out the finances.
High expenses shouldn’t stand in the way of studying abroad. You may have satisfying GMAT and TOEFL scores, outstanding application documents and are ready for the incoming interview but sometimes the concern of funds can make you think twice about your dream.
We know this is true for students from middle-class families who might hesitate to spend their parents’ retirement fund to study abroad. And without your own saving, you’ll struggle to go to local banks, especially if they have high-standard requirements. We also understand it’s a dilemma for you to borrow from your family and friends. You might think your only option is selling your fixed assets.
Now imagine we told you there’s someone who understands your needs, cares about your dream, believes in your potential, and is happy to invest you in exploring a bigger world and in your self-development.
Introducing Prodigy Finance, a UK-based company investing in your potential.
1. Introducing Prodigy Finance
Prodigy Finance is a fintech company investing in tomorrow’s leaders. Their headquarters are in London and they have offices in New York and Cape Town. Founded in 2007, Prodigy Finance has cooperated with more than 900 schools, offering funding for international students studying business, law, engineering, and public policy.
Their loans don’t require collateral or a co-signer, so you can keep your financial independence.
These top schools include Harvard Business School, Massachusetts Institute of Technology (MIT), New York University, London Business School, Cambridge and Warwick, and many more. In addition, Prodigy Finance has funded more than 11,200 students from 132 countries, including Brazil, India, China, USA, and Germany. The total amount reaches almost to $900 million.
In 2016, Prodigy Finance was selected as one of the top 50 European FinTech companies. In 2018, they’ve just secured $1billion in debt financing provided by Goldman Sachs, Deutsche Bank, M&G Investments and Sumitomo Mitsui Banking Corporation. Have a look at Forbes here “ Cross-Border Student Loan Lender Prodigy Finance Raises $1B In Debt Financing”.
2. Benefits for Prodigy Finance borrowers
Students can apply for up to 100% of tuition fees and living expenses with Prodigy Finance, for most schools. They also offer special benefits and advantages for their borrowers. Here’s what you can expect:
- Only start repaying 6 months after class ends.
Students can focus on schoolwork and have plenty of time to find their dream job.
- No co-signers. No collateral.
A family’s economic background will not have negative effect on their application
- No penalties for early repayment.
Students can repay anytime without penalties or hidden costs.
- Scholarships for borrowers
$10,000 scholarships for ten borrowers awarded every year.
- Member benefits for community
This includes phone plans and a free careers masterclass.
3. Who can get a loan from Prodigy Finance?
- International postgraduate students who are admitted to a school or programme that Prodigy Finance supports. To see a full list of 900+ support schools, click here.
- Chosen school must be located outside your country of residence and home country.
4. What interest rate can you get?
- The interest rate is unique for each application. It depends on the school, programme, and students’ personal profile.
- Students can get a free quote online to see what they’ll qualify for. You don’t need to accept anything until you’re happy with your loan offer.
5. How to apply for a Prodigy Finance loan:
- Find your school at Prodigy Finance
- Apply online
It takes only 30 minutes to get a quote. If your application is successful, you’ll immediately receive your quote which includes your interest rate and repaying term. You’ll have 14 days to decide whether to accept the offer.
- Confirm your application with supporting documents
If you like your quote and decide to accept it, you’ll move on to this step. You’ll have to upload documents based on the information you provided in your application. This includes things like your passport and credit report. You simply have to scan those documents and submit them online. It usually takes less than a month to confirm all your information.
- Receive your loan letter and secure your visa
Once all your information has been confirmed, you’ll get your loan confirmation letter. You can use this as proof of your funding when you apply for a visa.
- Sign your loan and have your funds sent to your school
Prodigy Finance will confirm your tuition fee and living expense with your school. When the time comes, they’ll send the funds directly to the school. The school will send any funds left over for living expenses to you directly.
- Study, grace period and repayment
You only have to start repaying your loan 6 months after classes end so you have time to focus on your studies and finding a great job.
Ready to get started on getting your loan? Apply for your free quote now.
If you know someone else who might be interested in Prodigy Finance, you can join the referral programme.
Email：info@prodigyfinance.com
Official Website： Prodigy Finance
Official WeChat: Prodigy Finance Official
The information published on this page is only general information about Prodigy Finance Limited, is not directed at any particular person or target market nor does it constitute any invitation or offer to any person to apply for and avail of the products and services of Prodigy Finance Limited. For more information about Prodigy Finance Limited and its products and services, visit the following website: https://prodigyfinance.com. The contents of this page is also translated by the owner of this website, ChaseDream, in Mandarin. The information on the English page contains the original content and the owner of this website, has translated the information published on the English page on its own initiative and Prodigy Finance Limited does not endorse the translation nor accept any obligation or liability in respect of this translation or the contents displayed on the page. In the event that there is inconsistency between the information presented on the Mandarin and English pages, the information published on the English page will be the correct information.
听说已经有人拿到2020 Fall的offer了？恭喜恭喜，不过那7万刀学费加生活费筹到了吗？
还在申请阶段的你，考出了满意的GT成绩，写了漂亮的文书，充满自信地准备着面试，但是有没有因为学费的问题而考虑过放弃梦想呢？一想到那烧钱的商学院，心里面就有点打颤，这些钱不止可以在北上广买一个厕所了吧。尤其是家境一般的同学，心里不免会纠结“自己已经成年了，还要拿父母的养老钱去读书吗？”。可是自己也没有这么多积蓄，去银行贷款么？但是银行贷款要求那么高，有房子抵押吗（有也不愿意抵押吧）？那就去找亲戚朋友借钱？可是也不想消费自己的亲情和友情。变卖家庭固定资产？那你的心是会痛的吧？
此刻的你迷茫无措，如果有一个人特别理解你，相信你的无限潜力，相信你通过努力可以实现美好生活的愿景，愿意投资你去更大的世界发现更好的自己，你是不是要幸福感爆棚了。估计这会有人会对我说：“醒醒，别做梦了”，可我会认真地告诉你，这是真的！！！
今天就为大家介绍一下不用抵押、申请也很方便的国际留学生贷款公司——Prodigy Finance，相信在我们CD里面，已经有很多人略有耳闻了，今天就给大家详细地介绍这家英国公司和他们资金项目的申请流程和要求。废话不多说，直接上干货。
1. 公司简介
Prodigy Finance 是一家投资于未来领袖的公司，总部在英国伦敦，在纽约和南非开普敦设有办公室。2007年成立，与世界900多家院校达成合作，为商学院、法学院、工程学院、公共政策学院的国际留学生提供无抵押、无担保人留学贷款资金服务，其中包括哈佛商学院、麻省理工、纽约大学、 伦敦商学院、剑桥、华威等。资金超强，覆盖全世界150个国家。目前已为来自132个国家的一万多名国际留学生提供了资金，他们来自巴西、印度、中国，美国，德国等，总金额将近9亿美元。
2016年，Prodigy Finance入选欧洲 FinTech 50 榜单。在2018年拿到了10亿美元的债券融资，其中大金主包括有名的高盛银行，德意志银行，VC等（详情大家可以参考《福布斯》Forbes报道的这篇文章 “Cross-Border Student Loan Lender Prodigy Finance Raises $1B In Debt Financing” ），不仅资金雄厚，还极具发展潜力，和市面上那些小作坊相比简直是天差地别。
2. 无抵押留学资金项目介绍
同学们可以单独申请学费或生活费，也可以两个都申请。项目特点如下：
- Only start repaying 6 months after class ends
毕业6个月后才开始还款，学生专注学业，还款前有足够时间找工作
- No co-signers, No collateral
无需任何形式抵押，无担保人
- No penalties for early repayment
学生可以随时提前还款，无罚息，无隐藏费用
- Scholarships for borrowers
每年有10个一万美金奖学金
- Easy online application
从网申到上传材料审批，都是网上进行，无需出门，funding GET！
总结一下：Prodigy Finance的最大优势是无抵押无担保，毕业后还款，并且直接与学校合作，安全可靠。他们的评估模型是建立于对申请人的未来收入潜力和偿还能力进行预测，与国内银行以固定资产做风险抵押截然不同。也正是因为这个原因，父母的经济条件和是否有房产不会对申请造成任何消极影响，所以无需担保人或抵押 （毕竟父母有钱，不代表孩子未来就一定有潜力）。同时项目支持学生毕业6个月后才开始还款，让学生有足够的时间去找工作，Prodigy还提供免费的求职辅导课程和咨询，帮助国际留学生在国外立足。学费和生活费直接打给学校，免除外汇限制和手续费（可以说是很贴心了）。最牛气的是30分钟搞定网上申请，一个工作日内预批贷款信息（效率高到没朋友）还有高达10000美金（约7万人民币）的奖学金。
3.申请要求
- 拿到的offer是他们所支持的900+所学校学院之一
- 去留学的国家不是现在永居的国家
可能有人会想这么好的项目，申请要求很高吧。其实并没有，只要你拿到的offer是他们家支持的900+所学校之一，去留学的国家不是现在永居的国家就可以了。点击这里可查看Prodigy全球所支持的学校名单。
4.利率
可能有人很关心利率怎么算，利率有两大决定因素：学校 + 个人pofile（每个学校的利率范围不一样，并且每个人的情况不一样，所以每个人拿到的利率也会不一样）。不过，你可以随时填写一个网申表（大概20-30分钟），就能很快得到他们给到你的利率。
5.如何申请
- 第一步：在 Prodigy Finance 这里找到你的学校（也可以浏览上面的学校名单中找到学校）
- 第二步：注册网申
整个过程大概需要30分钟，主要就是填写关于自己的一些基本信息。根据你填的信息，提交之后会立刻得到预批资金信息的quote，里面就包括给到你的利率，能贷给你的额度，还款期限等信息。然后，你有14天时间考虑是否接受这个quote，只有接受了之后，才会要求你上传文件审批。
所以不需要拿到offer才申请哈，按照真实情况提早网申，知道自己能够贷多少钱，可以提早安排自己的学校申请。
- 第三步：上传材料进行审批
这里根据你之前填的基本信息，要上传证明材料，如录取通知书，护照，个人征信报告等。 全程网上进行，上传扫描件即可。从开始网申到审批结束一般需要1个月的时间（如果你不拖拉的话）。
- 第四步：审批通过办签证
审批过程结束后，你会拿到loan confirmation letter，这个是给大家做签证用哒，也是资金证明的一种哦。
- 第五步：发放学费和生活费给学校
然后他们公司会和学校内部去确定你的学费生活费，在缴费截止日期之前就直接以美元/英镑/欧元（取决于你的学校地区）发放资金给学校啦。到达这个阶段后，基本上你什么都不需要管，好好打理行李箱，买好机票出发即可。等你到达学校后，学校会把生活费直接打给你（爸妈再也不用担心你的生活费了）。
- 第六步：完成学业，毕业6个月后开始还款
一般是毕业后的第7个月开始还款，不过如果你在读书期间（特别是MBA的同学）有拿到很赚钱的实习，可以随时提前还款，并没有额外的费用产生，更重要的是，早点还，可以省利息啊。
是不是迫不及待想去试试了呢，等会，还有两大福利，没看到最后的同学别怪我没告诉你。为了更好地帮助学生在国外完成学业，找到理想的工作，Prodigy Finance为借款人提供各种社区服务，如求职辅导。还有推荐福利 Referral Programme，身边要是有需要的同学，可以相互推荐，赢取XXX（故意吊胃口。）论坛上的小伙伴不要错过呀。
好了好了，我知道你们已经等不及了，下面是他们的联系方式，快去试试吧，祝大家申请成功，开开心心去上学。
Email：info@prodigyfinance.com
官网： Prodigy Finance
微信公众号：Prodigy Finance Official
The contents of this page is a Mandarin translation of the original information published on our English page. The owner of this website, ChaseDream, has translated the information published on the English page on its own initiative and Prodigy Finance Limited does not endorse the translation nor accept any obligation or liability in respect of this translation or the contents displayed on the page. In the event that there is inconsistency between the information presented on the Mandarin and English pages, the information published on the English page will be the correct information. The information published on this page is only general information about Prodigy Finance Limited, is not directed at any particular person or target market nor does it constitute any invitation or offer to any person to apply for and avail of the products and services of Prodigy Finance Limited.
[复制链接]
京公网安备11010202008513号 京ICP证101109号 京ICP备12012021号）
发表于 2018-11-1 22:11:18
发表于 2018-11-7 05:52:48
