International Student Loan

International student loans for borrowers with or without a cosigner

Sparrow has coverage for international students from 190+ different countries.

100% free
No income required
No credit score required
No employment required
Permanent Resident Alien
Eligible Resident Alien
Select your country
uruguayUruguay
ukraineUkraine
emiratesUnited Arab Emirates
kingdomUnited Kingdom
uzbekistanUzbekistan
MPOWER
MPOWER

APR 4.95% ∙ 10 years

$123.20Payments After School
$50.23Payments In School
$5,231.55Total Interest
College Ave
College Ave

APR 3.88% ∙ 5 years

$145.50Payments After School
$84.52Payments In School
$3,398.43Total Interest
Earnest
Earnest

APR 4.25% ∙ 5 years

$138.80Payments After School
$58.10Payments In School
$4,940.22Total Interest
Ascent
Ascent

APR 5.12% ∙ 10 years

$185.06Payments After School
$54.85Payments In School
$5,600.80Total Interest
Prodigy Finance
Prodigy Finance

APR 4.58% ∙ 10 years

$153.55Payments After School
$62.15Payments In School
$5,150.20Total Interest

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

How It Works

Pre-qualify with multiple
lenders for international
loans through one form

Zero fees

We don’t believe in charging borrowers for our services. Sparrow’s products are free and always will be.

Risk free

Sparrow doesn’t impact your credit score or go on your credit report. We remove the risk of shopping real rates with lenders.

Exhaustive search

Sparrow works with the nation’s largest network of private student lenders to find you the best rate out there.

Real rates

No smoke and mirrors. No mystery. We don’t get paid to rank lenders higher. You see real pre-qualified rates before selecting a lender.

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

Unified Platform

One platform for all international citizens, visa holders, and DACA recipients

Sparrow’s platform accommodates for international citizens from over 190 different countries, nonimmigrant visas, immigrant visas, and DACA recipients.

Automate my loan search
In school international loans
Submit one form for pre-qualification and compare real rates from multiple lenders. It takes as little as three minutes.
International loan refinancing
Compare real student loan refinancing rates from multiple lenders without affecting your credit score - for free.

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

Global Scale

A global platform built for citizens of the world

Find the most affordable loans for international students - no cosigner or collateral required.

Borrow without a SSN

You can pre-qualify for international student loans without a Social Security Number (SSN).

No credit score needed

We understand foreign citizens often don’t have credit history in the U.S. You’re not required to have credit history or a credit score to pre-qualify.

No U.S. based address required

You are not obligated to have a U.S. based permanent address to pre-qualify for international student loans.

Pre-qualified offer from Earnest

Undergraduate loan

  • Total cost$13,000
  • Interest rate4.76%
  • Interest rate typeFixed
  • Avg. monthly payment$150.00
Pre-qualified offer from SoFi

Undergraduate loan

  • Total cost$16,800
  • Interest rate5.90%
  • Interest rate typeFixed
  • Avg. monthly payment$194.00
Pre-qualified offer from Ascent

Undergraduate loan

  • Total cost$12,500
  • Interest rate4.25%
  • Interest rate typeFixed
  • Avg. monthly payment$115.00
Pre-qualified offer from College Ave

Undergraduate loan

  • Total cost$16,500
  • Interest rate5.18%
  • Interest rate typeFixed
  • Avg. monthly payment$185.00
Pre-qualified offer from MPOWER

Undergraduate loan

  • Total cost$14,850
  • Interest rate4.90%
  • Interest rate typeFixed
  • Avg. monthly payment$168.00

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

The Backbone For Student Lending

The world’s most
powerful student
financing platform

There’s a reason Sparrow’s the fastest growing student financing platform for international students, see for yourself.

Find my rate
$220M+

Last year, Sparrow facilitated the search of over $220 million in student loan volume.

1M+

Every year, Sparrow finds borrowers over 1 million pre-qualified loan offers.

200+

Sparrow accommodates for over 200 unique undergraduate degrees and concentrations.

1:1

Reach out to our Support Team for a live, free 1:1 meeting to get your most pressing questions answered.

Save Time And Money

Focus on your future, we’ll find the funds

We're on a mission to help global citizens like you reach your dreams. That’s why our partners make loan decisions based on your future potential, rather than your past.

Find my rate

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

Illustrative purposes, actual results may vary.

Pre-qualified rates are not a firm offer of credit.description

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International Student Loan FAQs

Updated January 1, 2023

Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensensation from our partner lenders, whom we always identify, all opinion are our own.

Tired of seeing rate ranges and not knowing where you fall in the range?  Sparrow allows you to compare real international student loan rates through a single form.  Think of Sparrow as the Expedia of student loans.

With Sparrow, you can compare real repayment plans from multiple lenders side-by-side so you know exactly how each loan stacks up when it comes to APR, monthly repayment, total repayment amount, and repayment options.

To determine your eligibility, complete our three minute form. If you’re eligible, you’ll instantly receive personalized rates on your Sparrow Dashboard from all the lenders with whom you qualify.

About 50% of Sparrow’s international student borrowers apply with a cosigner. Cosigners can increase your chances of being approved by lenders. Including a cosigner may also help you receive lower interest rates.

The maximum amount you can borrow from Sparrow’s lending partners is based on your school’s certified costs minus the amount of financial assistance you’ve already received (i.e. scholarships). We encourage you to reach out to your financial aid office to get more information on your school’s certified costs.

Your private student loan funds are sent directly to your school’s financial aid office. Your school automatically deducts your outstanding balance (if applicable). Following deductions, the remaining amount of your loan funds are sent directly to you, the borrower.

Your school sets the loan disbursement date (when you actually receive the money), which is usually a week or two prior to the beginning of the semester or quarter.

You’ll need the following information to find personalized rates on Sparrow:

  • First name, last name, date of birth, and citizenship status
  • Physical address
  • Email address
  • Loan size
  • Income and housing expenses
  • Name of school, degree, concentration, and expected graduation date

Sparrow: You don’t need to upload any documents to find personalized rates through Sparrow.

Lenders: The documents you submit will vary depending on the lender. Most lenders require you to upload a pay stub (W-2’s or 1099’s) to verify your income and an ID (driver’s license or passport) to verify your identity. If your rate is through one of our non credit-based lending partners, you may have to submit a copy of your transcript to verify your GPA.

You’re not guaranteed to receive personalized rates. Each of our lending partners uses its own criteria to determine whether you’re eligible for a loan. Each lender’s filtering criteria is based on the information you provide and a soft credit inquiry (which doesn’t affect your credit score). You’ll receive pre-qualified rates from lenders if you meet their pre-qualification criteria.

We also have lending partners who don’t provide pre-qualified rates on our platform. You’ll see a link for these other lending partners on your Dashboard.

The likelihood of eligibility, or receiving better rates, might increase if you add a creditworthy cosigner.

For international student loans, the funds are disbursed directly to your financial aid office. After deducting any outstanding balance, your school will provide you, the borrower, with access to your loan funds.

Your school sets the disbursement date (when you actually receive the money), which is before the beginning of a new semester. Regardless of when you applied for the loan, your school’s disbursement date will be the same. However, it’s best to apply early so that you can avoid any unexpected confusion or delays.

The most common reasons for delays are as follows:

  • Delays by the borrower or cosigner in responding to the lender’s request for documentation;
  • Incomplete information on borrower or cosigner’s application;
  • Incomplete documentation provided by the borrower or cosigner in response to the lender’s request for documentation; or
  • Delays in the lender receiving the certification from the borrower’s school’s financial aid office, certifying school costs.

You’re not required to have a cosigner to use Sparrow. However, if you’ve a limited or poor credit history and minimal income, adding a creditworthy cosigner can improve your chances of qualifying for a loan.

Just like for borrowers, it takes just three minutes for a cosigner to include themselves on a pre-qualification request.

Many of Sparrow’s lending partners offer the benefit of cosigner release. To confirm whether a specific lender offers cosigner release, we recommend you visit the lender’s website to read their official policy.