Fund the studentyou are becoming.
SAITA underwrites UK students on potential, not just postcode. Get a personalised loan offer in minutes, repay as a share of your future income, and watch your money with a real-time financial health cockpit.
- Strong projected graduate earnings in tech sector
- Consistent academic momentum (Y2 average 72%)
- Income-linked repayments unlock 12% lower APR
Underwritten by AI.
Designed around you.
Traditional lenders ask one question: "Can your parents pay?" SAITA asks a different one: "Where are you going, and what do you need to get there?"
AI-powered loan assessment
01Tell us about your degree, career direction and goals. Our model scores potential — academic trajectory, sector outlook, and ambition — alongside affordability.
Income-linked repayment
02Pay a small share of your post-graduation income instead of a fixed bill. If your income dips, your repayment dips. Built for real life after uni.
Real-time financial health
03A live cockpit for your money — budgets, transactions and goals — so you stay in control while you study and after you graduate.
Secure profile & documents
04Upload IDs, offer letters and statements in a vault with bank-grade encryption. Your profile is yours, portable across SAITA features.
Repay as a share, not a shackle.
Choose between a traditional fixed-monthly loan, or our flagship income-share plan: 4–8% of your post-graduation salary for a capped period. If you earn under the threshold, you pay zero — no late fees, no stress.
- Income threshold protection — under £24,000, you pay nothing.
- Cap on total repayment — you never pay more than the cap.
- Pause and switch — change between fixed and income-linked twice a year.
Your money,no longer a guessing game.
Connect your spending and we'll show you a single score that tracks how on-top of your finances you are. Personalised insights nudge you before you overspend — not after.
Honest pricing, no surprises.
We make money when you make money. Lower than a high-street bank, fairer than payday lenders, and you control which repayment plan you take.
- AI loan eligibility check
- 1 budget plan
- Manual transactions
- Email support
- Unlimited budgets & goals
- Smart spending insights
- Priority underwriting queue
- 0.4% APR loyalty discount
- 0% upfront fees
- Fixed or income-linked
- Borrow £500 – £40,000
- Repay over 1 – 10 years
Partner with SAITA to widen access at your institution.
Embed our funding journey into your offers and applications. Your students get fairer credit; you get retention, diversity and an outcomes story.