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Auxilo - Education Loan

NBFC

Collateral free loans available

Loan Margin : NIL

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3 days avg loan processing time

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Margin

NIL

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Collateral

Collateral free loans available

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Loan Tenure

Upto 15 Years

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Processing fee

0.5% onwards

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Early Repayment

Yes(without any charges)

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Living Cost

Yes

Secured Loan

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Amount

Up To 2Cr

Un-Secured Loan

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Amount

Up To 80Lac

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UniCreds Guarantee

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Quick Loan Sanctions

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100% Transparency

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No Hidden Fees

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24x7 Support

Features

Let’s be informed on how Auxilo's study abroad loans are executed, with a focus on you. Here is where you find the most critical features of an application involving auxilo education loan interest rate, processing fees, and loan repayment method

FeaturesEducation Loan Details
Loan amountUpto ₹2Cr (Collateral) Upto ₹80Lac (Without Collateral)
Margin moneyNil
Interest rateThe auxilo education loan interest rate is between 11.25% to 13.50%*. Depending on the course profiling and credit analysis, different spreads are charged. It is simple interest that is calculated as the interest rate. Students who take up a student loan from Auxilo profit from competitive interest rates in addition to the loans' flexible terms and easy repayment alternatives.
Processing fee0.5% onwards
Processing time3 Days (Up to)
Loan tenure15 Years
Prepayment chargesNil
Countries coveredUSA, Canada, UK, Ireland, New Zealand, Australia, Germany and others

Looking forSparkLogoFaster and
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Our education loan counsellors will stay by your side every step of the way and recommend the best partner and guide you through the loan applying and sanctioning process.

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Eligibility

Auxilo recognizes that academics go beyond college and career dreams. It is in line with this diversity that their eligibility criteria are crafted to be relatively open and competitive. You need to have the below:

TypeRequirement
For the borrower1. The student applying for the Education Loan should be an Indian citizen, 18 years old or above. 2. The student should have confirmed admission to the Institute 3. An earning co-borrower in India should co-sign the loan.
For the co-borrowerSince the co-borrower plays an equally important role in education loans, there are set criteria that must be met. 1. The co-borrower must be a citizen of India 2. He/She must be earning in India 3. It is important that he/she has an Indian bank account that facilitates cheque writing 4. They could be a parent, legal guardian, a relative, or even your sibling 5. Lastly, the co-borrower will be considered as the primary debtor
Eligible CoursesYou are eligible for the loan if you’re undertaking any of the following courses: 1. Graduation and post-graduation courses, as well as diploma programmes, that are recognised and authorised by the UGC/AICTE/IMC/Government Bodies, etc. 2. Law, Management, Medicine, Engineering, Aviation, and other professional and technical courses 3. It approved vocational training, executive programmes, and other courses
Eligible CountriesAuxilo provides funding for students to study abroad in the following countries: 1. USA 2. UK 3. Canada 4. Germany 5. Ireland 6. Australia 7. Singapore 8. New Zealand 9. UAE

Benefits

Faster Turnaround
Streamlined online application for quicker funding to meet deadlines.
Pre-visa Disbursement & Pre-admission Loans
Streamline study abroad applications and secure your dream university seat.
Tailored Repayment Plans
Flexible options based on your future income and field of study.
Potential-Driven Approach
Best interest rates (starting at 11.5%*) based on academics, university rank, and future prospects.
Comprehensive Expense Coverage
Covers living costs, materials, exams, travel, and accommodation.
Digital Process
We will make it possible for you to upload documents without visiting the branch. This saves you energy, time, and expenses and also keeps you away from the ordeal of handling volumes of paperwork physically.
Loan Repayment
The Auxilo Finance Terms and Conditions state that repayment of the principal amount begins six months after course completion or when the student obtains employment, whichever comes first. Until then, the student just needs to pay a portion of the interest on the amount that has been utilised. The repayment options are flexible and adjustable.
Online Account Management After Loan Disbursement
After the Auxilo loan is disbursed, you can access an online account to get a complete overview of all your transactions, interest and EMI payments, and so on. This not only allows you to retain an orderly and consistent record of transactions but also assures transparency.

Invest in Your Future: Auxilo loan empower you with a range of benefits:

Benefits Of Getting Your Education Loan Through UniCreds

Expertise & Guidance
With an established team that has a comprehensive knowledge of Auxilo's criteria of eligibility, application procedure and different loan types. We will follow every step with you leading to a comfortable and stress-free process.
Streamlined Application Process
We simplify the application process by helping you obtain the documents, filling the forms correctly and your agents liaise with auxilo. This gives an assurance that you will have ample time to focus on your course since we will handle the administrative obstacles.
Competitive Interest Rates
Through our well-established relations with Auxilo, we will easily be able to help you acquire attractive interest rates whenever need arises. This can result in an impressive profit margin over the lifetime of the loan.
Technology-Driven Platform
With our user-friendly platform, communication and sharing of documents become very easy and you will receive all the documents that are needed for the completion of the application.
One-Stop Solution
Our service covers the entire loan process, from loan applications to disbursements and guidance on repayments.

Get Guidance at every step of your loan application

We ensure 100% transparency throughout the education loan process.Our education loan counsellors will stay by your side every step of the way.

Need Guidance Faster? Call us at:

phone

18001217661

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Need Guidance Faster? Call us at:

phone

18001217661

How To Apply?

UniCreds makes the application process smooth and efficient. Here's a step-by-step guide:

1. Check Eligibility:

Visit the UniCreds website or contact us to confirm your eligibility for Auxilo education loans. We'll guide you through the criteria, which typically include:

  • Being an Indian citizen 
  • Having a confirmed admission from a recognized university
  • Meeting the minimum age requirement (usually 18 years old)
  • Having a co-borrower with a strong credit score (in some cases)

2. Gather Required Documents

  • UniCreds can help you assemble the necessary documents for your Auxilo student loan application.

3. Apply Online with UniCreds:

  • Our user-friendly online platform allows you to submit your application electronically. We'll guide you through the process and ensure all documents are uploaded correctly.

4. UniCreds Assistance:

  • UniCreds goes beyond just providing a platform. We'll liaise with Auxilo on your behalf, manage communication, and keep you updated on the application status.

5. Loan Approval & Disbursement:

  • Once your Auxilo study loan is approved, UniCreds will facilitate the disbursement process, ensuring you receive the funds seamlessly.

Looking forSparkLogoFaster and
streamlined Process?

100% Transparency

100% Free

unicreds

Our education loan counsellors will stay by your side every step of the way and recommend the best partner and guide you through the loan applying and sanctioning process.

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Documents Required

We provide students with a customised list of documents by analysing the student’s profile, the co-applicant's profile and any property/asset which you may offer as collateral. At a high level, these are the documents needed:

TypeDocuments Required
For Borrowers- Completed application form - KYC documents (PAN card, Aadhaar card, etc.) - Academic transcripts (mark sheets, certificates) - Offer letter from your chosen university - Loan purpose documentation (fee receipts, estimated living expenses) - Co-borrower documents (if applicable)
Co-SignerCO-SIGNER (Salaried-Job): 1. PAN Card & Aadhar card 2. Latest 3 months salary slips 3. Latest 1 Year Salary Credited Bank Statements 4. Latest 2 Years Form 16 5. Electricity Bill 6. Mobile Number & Email ID CO-SIGNER (Self Employed/Business): 1. PAN Card & Aadhar card 2. Latest 2 year ITR with Computation income, Profit & Loss and Balance sheet 3. Business proof (GST, UDHYAM ADHAR, and GUMASTA) 4. Latest 1 Year Bank Statement (Income Credited) 5. Electricity Bill 6. Mobile Number & Email ID
Collateral LoanCollateral Documents: 1. Registered Sale Agreement (All chains) 2. Share Certificate 3. All Property Related Documents- e.g- Sanction Plan, Tax paid Receipt 4. NA conversion certificate in case of Plot. 5. OC/CC and Approved Building Plan. 6. 7/12 Extract 7. Society NOC 8. Any other Documents associated with Property

Loan Repayment Options

Unlike traditional lenders with one-size-fits-all repayment plans, Auxilo prioritises your post-graduation success with data-driven flexibility. Here's how their approach empowers you to manage your Auxilo education loan with ease:

 

  • Income-Driven Options for Affordability: Auxilo abroad education loan recognizes recent graduates may not immediately command high salaries. They offer repayment plans that adjust based on your future income potential, as indicated by industry averages for your chosen field of study. This ensures your monthly payments are manageable, typically starting at 11.5%* interest rates, and don't hinder your financial well-being as you establish your career.
  • Field of Study Considerations: Be it a gradual or steep climb, Auxilo acknowledges the unique career paths and their various learning trajectories. They incorporate into the loan repayment plan, not only your chosen profession but also a paired data of projected future salary. By doing this, you will be able to assure that your incomes are comparable to the average job market of your chosen career. Computational science students, on the other hand, could have a significantly higher expected starting salary compared to students majoring in arts, where their repayment plan would in reflection be.

 

By prioritising flexibility and offering dedicated support, Auxilo and UniCreds ensure that your education loan empowers your future, not burdens it. Focus on building your career with peace of mind, knowing you have a clear and manageable repayment plan in place.

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The displayed EMI amount is approximate & is subject to change based on various factors.

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Monthly EMI
0
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Principal Amount
1,600,000
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Total Interest
0
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What our Students say about us

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Frequently Asked Questions

Auxilo offers competitive interest rates that may vary depending on your profile, chosen loan program, and creditworthiness. It's advisable to check their current interest rates and compare them with other lenders before making a decision.
The required documents for an Auxilo loan application may vary but often include: - Completed application form - Academic transcripts and admit letter - Proof of identity and residence - Co-signer documents (if applicable) - Financial documents (income tax returns, salary slips)
To qualify for an abroad education loan you usually need to; - Hold citizenship and maintain a solid academic performance. - Enroll in an undergraduate or postgraduate course at an accredited foreign university. - Secure a co signer with a commendable credit background.
Auxilo offers flexible repayment options that typically start after a grace period following your course completion. You can contact us for details on specific repayment plans and tenures.
If you're a student looking to study and need a loan Auxilo could be a suitable choice. They provide assistance for expenses related to overseas education such, as tuition fees, living expenses and travel costs.