StepEx Lender Ltd · Authorised and regulated by the FCA · FRN 824928
Tuition finance for UK education providers
We lend and collect. You're paid as students repay. Your students spread the cost, and you fill seats that would otherwise stay empty.
Finance is provided by StepEx Lender Ltd and is subject to eligibility and affordability checks. Approval is not guaranteed.
Finance is available for courses at these education providers
We work directly with universities and with the online programme managers (OPMs) that deliver their courses, as well as colleges and training providers.
See every providerFor providers: how it works
Your price, your admissions.
You choose the courses and set the terms within StepEx's lending rules. Who you admit does not change.
We lend and we run it.
StepEx checks affordability, makes the credit agreement, collects repayments, and creates and approves every promotion. The model is designed to be used without FCA permission of your own, and we share our credit-broking perimeter analysis with your compliance team. How that works
Paid as students repay.
You receive your share of each repayment as StepEx collects it, and you carry the repayment risk. Most providers are live within days of confirming their courses. No systems integration is required, and an API is available on request.
In the StepEx trial, the share of finance applicants who completed their application rose from 55% to 78%, a 23-percentage-point increase. Results vary by provider, course and cohort.
How StepEx worksStudying, or already repaying?
Finance may not be right for everyone. StepEx checks affordability before approving any agreement, and missed repayments can affect your credit record.