U-fi Student Loans
U-fi Student Loans
in Private Student Loans from U-fi

U-fi Student Loans

in Private Student Loans from U-fi
Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Loan Amount $1,000 - $500,000
Fixed APR 3.34% - 10.50%
Variable APR 1.64% - 10.41%

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:

  • undergraduate students
  • graduate students
  • parents of students

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-fi Student Loans only considers borrowers who are employed.

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
  • Proof of citizenship or residence permit
  • Proof of residence
  • References

Is U-fi a legit company?

U-fi Student Loans was founded in 2015. It is an established company that has been in business for 8 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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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


  Available in 49 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 6 days
No Origination Fee
No Prepayment Fee
Cosigner Optional
Credit Score Range 650 - 850
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Residence
  • References
Funding Time Range 7 - 14 days
Good Student Rewards
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
  • Bank Transfer
Loan Term 5 - 25 years
Up to Cost of Attendance
Fixed APR 3.34% - 10.50%
Variable APR 1.64% - 10.41%
Loan Amount $1,000 - $500,000

U-fi Student Loans Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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