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We are no longer accepting applications for the 2025-26 school year. The 2026-27 season is now open – get started HERE!

Let your hard work cosign for you

You’re working hard. You’re determined to succeed. We’re here to help you across the hurdles. Funding U no cosigner student loans can help you cover the cost of college.

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Check eligibility in just a few minutes with no impact to your credit score.

No cosigner student loans can keep you on track.

How we're different:

We'll never ask for a cosigner, ever.

We mean it. Unlike other lenders, we don’t fund your parents. We fund you. Our no cosigner student loans are based on you and your potential.

This is all we do.

We’re 100% focused on no cosigner student loans for undergraduates. This focus allows us to be 3 things: fast, straightforward & helpful.

Your success is our future.

We’re not just rooting for you, we’re betting on you. Your repayment allows us to lend to other students just like you.

Their words, not ours.

After all the banks rejected me because I didn’t have a cosigner, I thought I was going to have to drop out just short of getting my degree. Funding U stepped in when I needed a loan to finish college. I graduated thanks to Funding U.

Katie

Emory University

Katie, Funding U borrower, Emory University graduate
What I like most about Funding U is the honesty and the directness. The interest rate is fixed, there are no surprise fees, and there’s always a real person on the phone you can talk to.

Zachary

University of Central Florida

Zachary, Funding U borrower, University of Central Florida
Funding U is an excellent option for students who are looking to pay for college and need to do so quickly. Within days of submitting my application, I was able to pay for the needed courses and get back to studying. College can be stressful, but financing shouldn’t be one of those stresses.

Rock

University of Florida

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FUNDING U

2025 Annual Impact Report

Closing the Last-Dollar Gap in Higher Education

Before you apply:
Applications for the 2025-26 are now closed.

Continue to apply for the 2026-27 academic year.