Last Updated: 04/18/2025
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Highlights
Fixed APR
3.34% - 10.50%
Variable APR
1.64% - 10.41%
Amount Range
$1,000 - $500,000
U-fi Student Loans Review
U-fi Student Loans is offered by U-fi, a marketplace lending platform founded in 2015 and based in Lincoln, NE. U-fi Student Loans are available in 49 states and Washington, DC.
U-fi Student Loans FAQ
What rates does U-fi Student Loans offer for in-school private student loan?
U-fi Student Loans has a variable APR that ranges from 1.64% up to 10.41% .
It offers a fixed APR that ranges from 3.34% up to 10.50% .
Many students have little or no credit history when they start college. By having a parent or other creditworthy individual cosign the loan, the student may improve their chance of approval or qualify for lower interest rates.
How much can you borrow from U-fi Student Loans?
Available loan amounts may vary by applicant but U-fi Student Loans has a minimum loan amount of $1K and offers loans up to $500K.
Does U-fi Student Loans charge an origination fee?
No, U-fi Student Loans does not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does U-fi Student Loans charge prepayment fees?
No, U-fi Student Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
What terms does U-fi Student Loans offer?
U-fi Student Loans provides repayment terms ranging from 5 to 25 years.
What type of borrowers will U-fi Student Loans consider?
U-fi Student Loans considers loans applications from:
What do you need to qualify for U-fi Student Loans?
Applicants with a credit score of at least 650 and up to 850 may be eligible for U-fi Student Loans. U-fi Student Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by U-fi Student Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
- Proof of residence
- References
Is U-fi a legit company?
U-fi was founded in 2015, it is a well-established company that has been in business for 11 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from our editor
What we love about U-fi Student Loans
Rather than offering loans directly, U-fi Student Loans connects borrowers with lenders that can offer them a loan. This makes it easier for borrowers to get a good deal because U-fi matches them with companies based on their credit profile.
U-fi Student Loans partners offer loans for undergraduate and graduate students, as well as parents. It has low minimums and high maximums, making it easy to borrow the right amount of money to pay for school.
Depending on the partner that U-fi matches you with, you may qualify for cash back for good grades or be able to get an interest rate discount by signing up for automatic loan payments.
What could U-fi Student Loans do better?
U-fi Student Loans has a few eligibility restrictions that may make it harder to get a loan. Borrowers must meet certain credit and income requirements, which can be difficult for students. That means that most people will need a cosigner to qualify. Additionally, you must be enrolled in college at least half-time to be able to get a loan.
The company also only has a few partners. If you’re hoping to compare options from many different lenders, other loan comparison tools may be a better choice.
U-fi Student Loans’s backstory
U-fi Student Loans was started in 2015 through a partnership between Nelnet and several financial institutions and banks.
The Verdict
If you need a student loan, U-fi Student Loans may be able to match you with a good lender. It’s worth checking with the company to see what offers you receive, but make sure you research other options and shop around to make sure you’re getting the best deal.
Other Services by U-fi
Student Loan Refinancing
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U-fi Student Loans Community Reviews
Would you recommend U-fi Student Loans to your friends?
U
Anonymous
Jul 11, 2019
May or may not recommend
Nice that you can check your rates without hurting your credit. I do wish they offered grace periods but you can't argue with their rates.
Showing 1 of 1 reviews
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