Study Abroad Loans You Can Back With Security
Lower interest, larger amount, and way more breathing room. An abroad education loan with collateral means lenders compete harder, and you save smarter.
Everything You Need to Secure the Right Loan, Right Here.
Check Loan Offers
Get up to ₹2 Cr. on an
ed-loan with collateral
Who it’s for:
- Students pledging property or FDs
- Parents exploring bigger loan options
- Anyone tired of bank-hopping
Calculate Your EMI
Plan smarter with accurate EMI, tenure, & affordability
Who it’s for:
- Students budgeting study costs
- Families comparing repayment plans
- Anyone who likes financial clarity
Free 1:1 Guidance
Talk to an expert and get advice on collateral loans
Who it’s for:
- Students new to collateral loans
- Parents seeking clarity
- Anyone who prefers human help
Choose from public banks, private banks, and NBFCs
Collateral Education Loans, Made Crystal Clear
Understand how an abroad education loan with collateral unlocks higher amounts, better rates, and faster approvals – all explained in plain language.
Contents
- What is a Collateral-backed Loan?
- Why This Matters for You:
- Why Choose Collateral Loans?
- What Counts as Collateral?
- How To Apply
- Eligibility Criteria
What is a Collateral-backed Education Loan?
A collateral education loan is one where you pledge an asset (like property, FDs, or other valuables) to secure the loan. The lender holds that collateral until you repay.
Why This Matters for You:
With an education loan with collateral, you get
- Lower interest rates than unsecured loans
- Higher loan amounts based on collateral value
- Longer repayment tenures → smaller EMIs
- Higher chances of approval, even in stricter cases
- Possibility of fewer or no co-applicant constraints
Why Choose Collateral Loans for Your Overseas Studies?
- Bigger Budgets, Better Freedom: Fund tuition, travel, living, and more without stretching your resources.
- Lower Costs Over Time:Because lenders have security, they often give you better rates.
- Easier Repayments:Longer tenure choices mean you won’t feel squeezed month to month.
- Stronger Approval Odds:Collateral reduces lender risk, which means they’re more likely to say yes.
Affordable Ed-Loans Up To 2 Cr. @ Just 8.33% for 🇺🇸 🇬🇧 🇮🇪 🇩🇪
What Counts as Collateral?
(Banks & NBFCs typically accept…)
- Property (residential or commercial)
- Land
- Fixed Deposits
- Life Insurance policies (assigned to lender)
- Government bonds/securities
- Gold or high-value assets
How To Apply
- Check Your Eligibility: Confirm you meet age, admission, and collateral criteria.
- Select Collateral:Choose asset(s) you can securely pledge (property, FDs, etc.).
- Submit Application & Documents:Admission proof, collateral documents, academic transcripts, identity proofs.
- Compare & Choose:Get 15+ offers (if available), compare rates/terms, pick what fits.
- Funds Disbursed:Once approved, funds go to the university/your account.
Affordable Ed-Loans Up To 2 Cr. @ Just 8.33% for 🇺🇸 🇬🇧 🇮🇪 🇩🇪
Eligibility Criteria for Collateral Loans
- You must be between 18–35 years
- Confirmed admission at a recognized foreign university
- Collateral value sufficient to cover your loan demand
- Co-applicant with stable income (may still be needed)
- Creditworthiness & income of you or co-applicant considered
Real Student Wins, Powered by Tech and Trust
From starting the loan process till the end, they took care of everything. I would recommend them to all my friends.
Jayashree
|
United Kingdom
Master's in Public Health
Grad right was the perfect choice for my education loan. They brought best offers in the market and made the process easy to go.
Gauri Tichkule
|
United States
Master’s Aspirant
Most banks confused me, but with GradRight everything went on very smoothly. I appreciate their transparency and communication. Thank you GradRight.
Seshendra
|
United States
Parent
GradRight simplified the entire process for me. After submitting my docs, I received multiple loan offers within days. They help you see things clearly.
Kiyedh
|
Germany
Master’s in Sustainable Energy
I had an excellent experience with GradRight, who guided me through the complex process of securing a student loan. Their support was invaluable, and their team was always professional, responsive, and incredibly
Deena Kumar
|
United States
Master’s Aspirant
I went to several banks before I found GradRight. They helped me get the loan that I wanted, without charging me anything.
Pratham
|
San Jose State University
MS in Software Engineering
We were facing difficulty with the loan process, but GradRight was God’s gift to us – they helped us fulfil our dream of sending our two kids abroad.
Jharna Bhatt
|
United States
Parent
Frequently Asked Questions
What is an abroad education loan with collateral?
An abroad education loan with collateral (or secured) education loan is when you pledge an asset-like property, fixed deposits, or insurance-as security for your study abroad loan. It helps you access higher amounts, lower interest rates, and smoother approvals.
What can I use as collateral for an education loan?
How much loan can I get with collateral?
You can usually get up to 100% of your total study cost (tuition, living, and travel) if your collateral covers it. On GradRight, students typically access up to ₹2 crore or equivalent for top global universities.
What is the interest rate for secured education loans?
Interest rates on collateral-backed loans usually range from 8.33% to 10.5%, depending on the lender and profile. Since your asset reduces the lender’s risk, rates are generally lower than non-collateral loans.
Who can be a co-applicant for a secured education loan?
Your co-applicant can be a parent, guardian, sibling, or even a spouse – basically anyone with a stable income who can share repayment responsibility. Having a co-applicant often improves approval chances.
What are the advantages of taking an education loan with collateral?
Secured loans come with better interest rates, higher loan amounts, longer repayment tenures, and faster approvals. Plus, you can fund complete costs – not just tuition – with fewer restrictions.
Is property mandatory for getting a study abroad loan?
Not always. If you have solid academic credentials and a good financial profile, you can still apply for a non-collateral (unsecured) loan. But if you own property, you’ll likely get better loan terms.
How long does it take to process a collateral education loan?
It usually takes 7-15 working days after document submission. On GradRight, lenders compete for your profile – so approvals are faster, and you stay updated every step of the way.
Can I get tax benefits on an education loan with collateral?
Yes. Under Section 80E of the Income Tax Act, you can claim deductions on the interest paid for up to 8 years after repayment starts – whether your loan is secured or unsecured.
Why should I apply for a secured education loan through GradRight?
Because you skip the manual comparison. GradRight brings 15+ lenders to bid for your profile – so you get lower interest, higher approval odds, and complete transparency. No middlemen, no bias, no extra cost.
