Find your perfect student loan. Apply in 3 minutes, get an instant credit decision, and choose your own loan terms.

Variable rates starting at 4.04% APR (with auto-pay discount)1

Fixed rates starting at 6.07% APR (with auto-pay discount)1

APPLY NOW

At College Ave Student Loans, we don't believe in one-size-fits-all student loans. With the undergraduate student loan, you can choose when to start paying it back, how long it takes to repay, and whether you want a fixed or variable rate. Plus, you can cover up to 100% of your school-certified cost of attendance.2

A Better Student Loan Experience

Simple Application

Apply in 3 minutes from any device and find out instantly if you're approved.

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Personalized Loans

Choose from the most repayment options so you can build the best loan for you.

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Happy Customers

Experience why our customers give us a 5-star rating.

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Undergraduate Student Loan Rates You can choose between a variable or fixed interest rate.
Variable Rate VARIABLE RATE
4.04% - 11.65% APR (with auto-pay discount)1
Fixed Rate FIXED RATE
6.07% - 12.66% APR (with auto-pay discount)1
LOOKING FOR A DIFFERENT LOAN? Check out our graduate student loan or parent loan.
A student loan without any surprises.
Except how simple it is.

Whenever you're ready, we'll make it fast and easy. You can apply online from your phone or computer - whatever you prefer.

  • 3-minute application
  • Instant credit decision
  • No fees to apply
Photo of College Ave Student Loans application on a mobile phone

How do you know it's the right student loan? You build it yourself.

With the most repayment options in the industry, you can find the student loan that fits you best. Choose if you want to make payments while in school, and select how quickly you pay it back.

Build the perfect student loan by choosing:
Repayment Option
  • Deferred, Flat Pay, Interest Only, or Full Principal & Interest
Repayment Term
  • 8, 10, 12, or 15 years3
Interest Rate Type
  • Fixed or Variable
image of Collage Ave Student Loans Application on a computer monitor highlighting how easy it is to choose loan options.
image of Collage Ave Student Loans Application on a computer monitor highlighting how easy it is to choose loan options.
image of five stars Simplicity is Highly Rated

Our mission is to offer the best student loan experience, so we simplified the process and put you in control. And it's working - our customers give us a 5-star rating.

Hear it straight from the source. See what our borrowers have to say about College Ave.

See All Reviews
Image of Catherine S
Very Simple Process
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This was a very simple process to apply for the student loan at a great rate. You get to choose your terms and finalize the paperwork and done. Would definitely recommend using College Ave student loans!!!!

Catherine S. Verified Reviewer July 19, 2017
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Great website
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College ave is simple and easy to use. You can pick your own plan and not have a headache of a thousand forms and questions. I would definitely recommend to other students

Nancy S. Verified Reviewer September 26, 2016
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Very Simple
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The process was very simple and very helpful. What a wonderful experience.

Stephen M. Verified Reviewer July 25, 2016
Image of Laurel G
Quick and easy, all online
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I got a loan for my college junior without changing out of my Jammies in a Saturday morning. That's what I call convenient.

Laurel G. Verified Reviewer August 22, 2016
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College Loan
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Quick. Simple. Straight forward, all I could ask for.

Gabriel K. Verified Reviewer January 26, 2017
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Fast and Easy
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Fast and easy to use! Very detailed with options to personalize the right loan for me.

Winniefred G. Verified Reviewer August 17, 2016
Image of Carol S
Getting student loan
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The process was very easy. Every detail was spelled out clearly. It made applying for the loan stress free. I would recommend College Ave. to everyone. Thank you for making it very easy and pain free.

Carol S. Verified Reviewer September 7, 2016
Image of Jeff M
Great experience
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The process could not have been easier. Once I filled out the application, College Ave contacted the school and arranged everything. I couldn't be happier with my experience!

Jeff N. Verified Reviewer August 16, 2016
Image of Suzanne W
Quick, Easy, Transparent - Highly Recommend
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Securing a student loan from College Ave was wonderfully quick and easy. We had tried two other lenders and gave up because the process was so slow and cumbersome. With College Ave everything was done efficiently and completed in about a day. They also provide clear and transparent access to documents and the terms of the agreements. I was thoroughly impressed. Highly recommend

Suzanne W. Verified Reviewer August 9, 2017
Image of Lauren S
Great!
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The process was so easy and not stressful at all. Will definitely use them again for future schooling!

Lauren S. Verified Reviewer January 26, 2017
Image of Diamonique A
Great Experience
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I've never went through the loan process before, but College Ave. made it a great experience. They were quick and easy to deal with. The customer service was excellent. Very good!

Diamonique A. Verified Reviewer June 15, 2017
Image of Donna C
Will Come Back
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College Ave Student Loans was very easy to use, great rates, good repayment schedule.

Donna C. Verified Reviewer July 19, 2017
Image of Layne P
Easy and affordable.
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You make the stressful loan process easy and affordable. Thank you for keeping me on top of it and helping me navigate the school system.

Layne P. Verified Reviewer August 23, 2016

The Simple Student Loan

You're only 3 steps away from finding the perfect undergraduate student loan.

Submit Application

3 minutes and get an instant credit decision.

1
Customize Loan

Choose how and when you repay your loan.

2
Accept & Sign Terms

Review & sign your loan terms electronically.

3
APPLY NOW

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or Nationwide Bank, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

2As certified by your school and less any other financial aid you might receive. Minimum $2,000.

3This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7% variable Annual Percentage Rate (“APR”): 96 monthly payments of $179.28 while in the repayment period, for a total amount of payments of $17,211.20. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 04/01/2018. Variable interest rates may increase after consummation.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE (IN WHOLE OR IN PART) THIS LOAN PROGRAM AND ITS ASSOCIATED SERVICES AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK WWW.COLLEGEAVESTUDENTLOANS.COM FOR THE MOST UP-TO-DATE INFORMATION.