Get approved in minutes. No credit history needed. Designed for Enrolled students.
Get the funds you need, when you need them — designed to support your J-1 academic journey.
Built exclusively for J-1 students and researchers with deep understanding of your unique financial needs and immigration status.
Get approved in minutes, not weeks. Our streamlined process is designed to get you funded when you need it most.
We evaluate based on your academic merit, visa status, and stipend—not your credit score or cosigner requirements.
Transparent, fair pricing with rates designed for students. No hidden fees or surprise charges along the way.
Repayment schedules that adapt to your academic timeline and post-graduation plans, including grace periods.
Your data is protected with 256-bit encryption and secure compliance with all U.S. financial regulations and privacy laws.
Designed specifically for J-1 students and researchers. Check if you qualify in just a few minutes.
Most J-1 students qualify. Here's what we need:
Applicant must be enrolled in a university or college
Applicant must have valid passport
Enrolled at a recognized university or research facility
Tax Registration Number or Valid Social Security Number
All loan payments are going to be deposited directly to applican's sponsor or agency bank account
Minimum remaining time in your program
Must be 17 years or older to apply
$250 processing fee applies to each loan application. Non-Refundable
Passport, TRN, Student Status Letter or Status Verification Letter, Enrollment or Registration Letter, Student ID
Meeting eligibility requirements does not guarantee approval. All applications undergo verification and internal assessment. We may request other information to assist us to make a decision.
Clear, upfront pricing with no hidden fees. Know exactly what you're getting before you apply.
Amount based on your monthly stipend and remaining program duration
Your rate is determined by our assessment and remains fixed throughout the loan
Flexible scheduling available to match your academic calendar
Pay off early with no additional charges
Simple guidelines to ensure a smooth loan experience and maintain your good standing with us.
Make all scheduled payments on time to avoid late fees and maintain your credit standing. Set up automatic payments for peace of mind.
Keep your J-1 visa status active throughout the loan period. Any changes to your program or visa status must be reported within 30 days.
Maintain current contact information in your account. Update your address, phone number, and email whenever they change.
Reach out immediately if you experience financial hardship that may affect your ability to repay. We're here to help find solutions together.
Empowering J-1 students through smart, transparent, and accessible financial solutions.
To empower J-1 students by providing accessible, transparent, and affordable financial solutions that support their educational and cultural exchange goals — helping them focus on learning, growth, and success abroad.
To become the leading global platform for international student financing — simplifying access to smart loans and building a future where every J-1 student can achieve their dreams without financial barriers.