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Dubai and the UAE have become popular destinations for Indian students to study their undergraduate or post-graduation in modern campuses, with strong career opportunities. As the tuition fees and living costs keep increasing, good financial management is essential for overseas studies. An education loan for Dubai/UAE enables students to handle their fees, boarding, travelling, insurance and other education expenses without any financial burden on the families. With PayStudy, students will get help to select the right education loan to cover their studying expenses in Dubai and other UAE cities with complete assistance all the way through the loan process.
| Expenses | Usually covered? |
|---|---|
| Tuition/course fees | ✅ Yes |
| Hostel/accommodation | ✅ Usually |
| Examination, library & laboratory fees | ✅ Yes |
| Books, equipments & instruments | ✅ Yes |
| Laptop/computer | ✅ Often, if required for the course |
| Travel/airfare to Singapore | ✅ Often |
| Study tours/project/thesis expenses | ✅ Maybe covered |
| Food & day-to-day living expenses | ⚠️ Depends on the lender and sanctioned amount |
| Health/medical insurance | ⚠️ May be covered depending on the lender |
| Visa-related expenses | ⚠️ Depends on the lender |
Taking education loans to study in Dubai helps to cover major expenses, such as tuition fees, housing costs, living expenses, travel, visa expenses, insurance and study materials.
Instead of arranging the complete funds upfront, families can manage expenses through flexible repayment structures.
Taking a study loan you can have repayment flexibility and have moratorium periods, which means the student can start repaying the loan when they finish college.
Eligible students may receive higher loan amounts based on university selection, course fees, academic profile, and co-applicant income.
Typical interest rate ranges are:
| Scholarship | Benefits |
|---|---|
| Secured Education Loan | 8.5% - 10.5% |
| Unsecured Education Loan | 9.5% - 13.0% |
| NBFC/Fintech Education Loan | 10.0% - 16.0% |
Factors affecting the interest rate:
| Parameter | Requirement |
|---|---|
| Nationality | Indian citizen |
| Age | 18 years and above |
| Admission Status | Offer letter / COE (Confirmation of Enrolment) from recognized Australian institution |
| Course | Undergraduate, postgraduate, or research program (minimum 1-year duration) |
| Co-Applicant | Required for unsecured loans (parent/guardian/spouse) |
| Collateral | Required for secured loans |
| Credit Profile | Satisfactory CIBIL score (> 700 preferred) |
The following documents are generally required from the co-applicant for the education loan process:
Income proof:
Note: The exact document requirements may vary depending on the lender, loan amount, country of study, and the co-applicant's employment or income profile.
Submit your profile and loan requirements through our simple online form.
Receive loan offers matched to your profile from top partners.
We help gather and verify all your required documents quickly.
Our experts handle coordination with banks/NBFCs for fast sanction.
Funds are sent directly to the university or your account as needed.
| Lender / Institution | Loan Type | Max Loan Amount | Interest Range (Approx.) | Special Notes |
|---|---|---|---|---|
| State Bank of India (SBI) | Secured | ₹1.5 Crore | 9.8 – 10.5% | Lower rates for women students |
| Bank of BAroda (BOB) | Secured | ₹1.25 Crore | 9.85 – 10.75% | Minimal margin requirement |
| Union Bank of India (UBI) | Secured | ₹1.25 Crore | 10 – 10.75% | Pre-visa sanction letters available |
| ICICI Bank | Unsecured | ₹50 Lakhs | 10.75 – 12.5% | Faster approvals for top Australian universities |
| Axis Bank | Unsecured | ₹50 Lakhs | 11 – 12.75% | Pre-visa disbursement facility available |
| Credila | Unsecured | ₹60 Lakhs | 11 – 13% | Custom EMI repayment plans |
| Avanse / InCred Finance | Unsecured (NBFC) | ₹40 – 50 Lakhs | 11 – 13.5% | Ideal for students without collateral |
To study in Dubai, we guide students to choose the right education loan options that match their college, course and financial profile.
Our Dubai education loan experts help students get collateral and non-collateral education loan solutions for Dubai and UAE studies.
We assist you with the documentation and loan application process to ensure smooth processing and approval.
We help students to study in Dubai with the requirements of the lender and make the loan application process more efficient.
From financial guidance to education loan assistance, we support students throughout their overseas education journey.
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