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No cosigner

Students without a cosigner are over 3x more likely to get approved* with Edly than they are with a traditional lender.

Income-based payments, designed to be affordable

Edly’s payments are affordable by design, adjusting with your income.


If you lose your job, or your income drops below the minimum income threshold monthly payments are deferred**

Get funded. Fast.

30 seconds to check your eligibility and terms. Instant approval after that.


Check your terms


We’ll check to see if you meet our initial requirements, like school, major, and graduation date.


Apply for funding


Complete your application to get your official offer. Get pre-qualified without affecting your credit score.


Accept your offer


Review your final terms, accept your offer, and we’ll send your info over to your school for certification and disbursement.

Simple payments. Designed for you.

Learn now, pay later

School comes first. Payments start four months after graduation, and only when you’re earning more than $30,000.

Based on what you’ll actually earn

Your payments adjust with your pre-tax income. Lose your job? Get your payments deferred.

Simple, easy terms

Your loan is repaid once you make 60 payments, even if you’ve paid back less than you borrowed. Or, you can pay it off early at any time.


Supported schools


Supported majors


Of tuition funded

Trusted by thousands of students like you

Industry-leading benefits

We’re not like the other guys

No cosigner required

No minimum credit score or credit history required

No interest rate

Instant approval

Income-based repayment

Fixed maximum repayment cap

Payments deffered upon loss of job

Responsive, personalized customer support

Frequently Asked Questions