{"id":32516,"date":"2024-03-11T20:02:45","date_gmt":"2024-03-11T14:32:45","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32516"},"modified":"2025-06-12T11:56:24","modified_gmt":"2025-06-12T06:26:24","slug":"prodigy-finance-vs-leap-finance","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/","title":{"rendered":"Prodigy Finance Vs Leap Finance: Which Is Better?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Eligibility_Criteria\" >Eligibility Criteria<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Interest_Rates\" >Interest Rates<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Processing_Fee\" >Processing Fee<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Maximum_Loan_Amount\" >Maximum Loan Amount<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Moratorium_Period\" >Moratorium Period<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Margin_Money_Charged\" >Margin Money Charged<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Repayment_Terms\" >Repayment Terms<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Types_Of_Collateral\" >Types Of Collateral<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Countries_Each_Bank_Caters_To\" >Countries Each Bank Caters To<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#Which_Of_The_Two_Is_UniCreds_Partner\" >Which Of The Two Is UniCreds&#8217; Partner?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/unicreds.com\/blog\/prodigy-finance-vs-leap-finance\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>With banks being the predominant financial lending institutions, many other lenders have emerged to close that gap over the years. For instance, Prodigy Finance is a fintech consumer credit platform. On the other hand, Leap Finance is a neo-bank. These NBFCs both issue education loans to student who want to pursue their studies abroad. Which is the better option, Prodigy Finance vs Leap Finance?<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Particular<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Prodigy Finance<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Leap Finance<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Interest Rates<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.5% &#8211; 13.5%<\/td><td class=\"has-text-align-center\" data-align=\"center\">11% &#8211; 12.25%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Maximum Loan Amount<\/td><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"2\">Up to 100,000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moratorium Period<\/td><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"2\">Course period + 6 Months<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Terms<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 \u2013 10 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Margin Money Charged<\/td><td class=\"has-text-align-center\" data-align=\"center\" colspan=\"2\">Nil<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 5% of the loan amount<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 3% of the loan amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria\"><\/span><strong>Eligibility Criteria<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Lenders that aren&#8217;t banks have a more complex way of qualifying applicants for their loan requests. This is because they partner with financers and each would want their terms to apply before giving funds to students. This is crucial when determining which NBFC is better: <a href=\"https:\/\/unicreds.com\/partners\/prodigy-finance\" target=\"_blank\" rel=\"noreferrer noopener\">Prodigy Finance<\/a> or <a href=\"https:\/\/unicreds.com\/partners\/leap-finance\" target=\"_blank\" rel=\"noreferrer noopener\">Leap Finance<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/check-your-loan-eligibility?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=loan-eligibility-button\" target=\"_blank\" rel=\"noopener\">Check your Loan Eligibility<\/a> <\/button><\/div>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>NBFC<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Eligibility Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance<\/td><td class=\"has-text-align-left\" data-align=\"left\">-Must be attending higher education in a country abroad<br>-Must be pursuing a master\u2019s programme<br>-Must be residing in an eligible country<br>-The university you\u2019ll be studying must be in Prodigy\u2019s listing<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance<\/td><td class=\"has-text-align-left\" data-align=\"left\">-Must be a student aspiring to pursue master&#8217;s or postgraduate programmes<br>-Must be applying for or already admitted for a STEM course at US universities<br>-Must have a co-signer<br>-Must be at least 18 years old<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Interest_Rates\"><\/span><strong>Interest Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Interest rates are charged as income for the lender on the education loan. Interests are slightly higher for NBFC because of the nature of their operations. You can negotiate for <a href=\"https:\/\/unicreds.com\/blog\/how-to-get-a-lower-interest-rate-on-an-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">better education loan interest rates<\/a> with your lender. Low loan amounts attract higher interest rates, and higher loan amounts mean better interest rates.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>NBFC<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Interest Rates<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.5% &#8211; 13.5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\">11% &#8211; 12.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>You can also use the <a href=\"https:\/\/unicreds.com\/tools\/education-loan-emi-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">education loan EMI calculator<\/a> to determine the interest rates on your education loan.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Processing_Fee\"><\/span><strong>Processing Fee<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Processing fees help facilitate the loan to ensure that everything from start to finish runs well. They cover the minor aspects of the loan process and ensure that you get your loan disbursement as soon as possible. NBFCs charge higher processing than banks because of the complexity of their allocation procedure.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>NBFC<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Processing Fees<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 5% of the loan amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 3% of the loan amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>With a significant difference in processing fees, this is crucial when choosing between Prodigy Finance vs Leap Finance <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">abroad education loan<\/a>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Maximum_Loan_Amount\"><\/span><strong>Maximum Loan Amount<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The maximum loan amount is a consideration many applicants make before requesting a loan. This is because they want to determine whether or not the Leap Finance or Prodigy Finance education loan will cater to their studying abroad costs.<\/p>\n\n\n\n<p>Students must crosscheck their tuition fees and cost of living in the country to know how much they need and the loan amount to apply for.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\"><button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\"> <a style=\"text-decoration: none; color: white;\" href=\"https:\/\/unicreds.com\/get-expert-advice?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=help-me-get-abroad-education-loan-button\" target=\"_blank\" rel=\"noopener\">Help me get Abroad Education Loan<\/a> <\/button><\/div>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>NBFC<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Maximum Loan Amount<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">Up to 100,000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moratorium_Period\"><\/span><strong>Moratorium Period<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>A grace period is allocated for all education loans. This period of moratorium allows students to finish their course, get enough time to seek employment and start earning to start paying off the instalments.<\/p>\n\n\n\n<p>However, if you get a job before or your co-signer can, you can begin making payments early before this period is over.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>NBFC<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Moratorium Period<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\" rowspan=\"2\">Course period + 6 Months<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Both Prodigy Finance and Leap Finance education loans have identical moratorium periods that are shorter than most lenders.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<a href=\"https:\/\/unicreds.com\/abroad-education-loan\" class=\"lead-cta-main\">\n  <div class=\"lead-cta-main-text\">\n    <p>Confused between Prodigy Finance and Leap Finance?<\/p>\n    <p>Let UniCreds help you choose the best loan option. Apply now and get expert guidance to fund your global education journey.<\/p>\n  <\/div>\n  <div class=\"lead-cta-main-btn\">\n    <button>\n      <div>Apply For Loan<\/div>\n    <\/button>\n  <\/div>\n<\/a>\n\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Margin_Money_Charged\"><\/span><strong>Margin Money Charged<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Margin money is a downpayment made before the loan is disbursed. This is important to show the ability to pay and as the first funds to kickstart your academic journey. It only applies to lenders that give loans to cover your study expenses partially.<\/p>\n\n\n\n<p>However, Prodigy Finance and Leap Finance offer loans to cover 100% of the costs of studying abroad.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Repayment_Terms\"><\/span><strong>Repayment Terms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>It is essential to factor in the repayment terms when choosing between Prodigy Finance or Leap Finance, which is better. The <a href=\"https:\/\/unicreds.com\/tools\/education-loan-repayment-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">repayment of education loans<\/a> needs proper planning and settling for an ideal repayment time will ensure you avoid defaulting.<\/p>\n\n\n\n<p>This should factor in the potential income after studies and monthly instalments you&#8217;d be willing to pay with that amount.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>NBFC<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Repayment Terms<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 15 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 \u2013 10 years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_Of_Collateral\"><\/span><strong>Types Of Collateral<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Collateral is essential for secure loans. They establish whether or not you&#8217;ll get the loan. Security also influences the loan amount you\u2019ll get from the lender. Prodigy Finance and Leap Finance are the same as they don&#8217;t require collaterals for their education loans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Countries_Each_Bank_Caters_To\"><\/span><strong>Countries Each Bank Caters To<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Both Prodigy Finance and Leap Finance services are available in several countries. Prodigy Finance gives education loans to students in approximately 150 countries. On the other hand, Leap Finance is available in the UK, the US, China, Australia, Canada, France, Germany, Russia, Italy, Japan, etc.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Of_The_Two_Is_UniCreds_Partner\"><\/span><strong>Which Of The Two Is UniCreds&#8217; Partner?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Depending on where you are studying, <a href=\"https:\/\/unicreds.com\" target=\"_blank\" rel=\"noreferrer noopener\">UniCreds<\/a> can help you source funds from both NBFCs.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Which Bank Is Better Prodigy Finance Or Leap Finance?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Leap Finance has better conditions.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Which Bank Offers Better Interest Rates For Education Loans, Prodigy Finance Or Leap Finance?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Leap Finance offers better interest rates.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Can You Compare The Processing Fees For Education Loans At Prodigy Finance And Leap Finance?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Prodigy Finance has higher processing fees of 5% of the loan amount.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. What Is The Maximum Loan Amount Offered By Prodigy Finance And Leap Finances For Education Purposes?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The maximum loan amount for both NBFCs is up to USD 100,000.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Are There Any Specific Eligibility Criteria That Differ Between Prodigy Finance And Leap Finance Education Loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The eligibility criteria for Prodigy Finance vs Leap Finance is almost the same.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. How Do The Repayment Terms Vary Between Prodigy Finance And Leap Finance Education Loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The repayment time for Leap Finance is shorter, standing at 7 \u2013 10 years.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With banks being the predominant financial lending institutions, many other lenders have emerged to close that gap over the years. For instance, Prodigy Finance is a fintech consumer credit platform. On the other hand, Leap Finance is a neo-bank. These NBFCs both issue education loans to student who want to pursue their studies abroad. Which [&hellip;]<\/p>\n","protected":false},"author":74,"featured_media":31684,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[2853,2847,2851,2849,32,2846,2844],"class_list":["post-32516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan","tag-australia","tag-canada","tag-france","tag-ireland","tag-student-loan","tag-uk","tag-usa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prodigy Finance Vs Leap Finance: Which Is Better? - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Prodigy Finance Vs Leap Finance: Understand what is the difference between the two key players in the education loan field.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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