Experience Student Loans in a Whole New Way
- 3-minute application
- Instant credit decision
- Personalized loan options
- No fees
How We Compare With Other Lenders
See how we compare to other student loan options.
| College Ave | Sallie Mae | Citizens Bank | |
|---|---|---|---|
| Loans Designed for Your Field of Study |
|
Limited | Limited |
| Number of Repayment Options |
4 |
3 |
3 |
| Select Your Own Repayment Term |
|
Limited | Limited |
| Apply in as Little as 3 Minutes |
|
|
|
| No Application or Origination Fees |
|
|
|
Comparisons based on information obtained on lenders' websites as of February 24th, 2026.
A Better Student Loan Experience
Simple Application
Apply in 3 minutes from any device and find out instantly if you're approved.
Personalized Loans
Choose from the most repayment options so you can build the best loan for you.
Happy Customers
Experience why our customers give us a 5-star rating.
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.
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.
1
3-minute application
2
Instant credit decision
3
No fees to apply
Undergraduate Student Loan Rates
Variable Rates
3.89%
to 17.99% APR
Fixed Rates
2.05%
to 17.99% APR
(all rates shown include auto-pay discount)1
Looking for A Different Loan? Check Out Our Other Options!
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
5, 8, 10, or 15 years2
Interest Rate Type
Fixed or Variable
Ready to Get Started?
Looking for other loan options?
Footnotes
1
Variable rates may increase after consummation. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.
2
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
*Additional Information
Total Loan Amount - Cover up to 100% of your cost of attendance, as certified by your school and less any other financial aid you might receive, minimum $1,000. Autopay Discount - The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. This 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. Variable rates may increase after consummation.