Democratizing
Access to Education

Loan amounts depend on your destination, programme, and lender. Through our partner network you can secure anywhere from $5,000 for short courses up to $80,000+ for full master's programmes — typically covering tuition, living expenses, and visa-mandated proof of funds.

Many Nepalese banks require collateral for larger loans, while several international lenders offer non-collateral options based on your academic profile, admit, and co-signer. CliQ Finance compares both routes side-by-side so you can pick what fits.

After your documents are uploaded, our partner banks typically issue a sanction letter within 48 hours. End-to-end — from eligibility check to disbursement — most students complete the process in 7 to 14 days.

The core set is: passport copy, ID proof, university admit letter, academic transcripts, last 6 months of bank statements, and a co-applicant's income proof (if applicable). Your assigned counsellor walks you through each one.

Rates vary by lender, loan size, and your profile — typically 9.5%–13% p.a. for non-collateral loans and 8.5%–11% p.a. for secured loans. We surface every offer transparently so you can compare APR, tenure, and processing fees.

Most CliQ Finance partner lenders allow free prepayment on floating-rate loans after the moratorium period. Fixed-rate loans may carry a small prepayment fee — your counsellor flags this clearly before you sign.