Pick Avanse if…
Courses and universities that banks are less keen on
Lender comparison
Avanse vs Auxilo: Which Education Loan Is Better?
Comparing Avanse Financial Services and Auxilo Finserve for a loan to study abroad? Here are the differences that matter — collateral, loan size, rate, co-applicant rules and speed — and how to choose for your profile.
- Side-by-side terms
- EMI comparison
- Who each suits
- Independent advice
Talk to an expert
Get both offers compared
A counsellor replies on WhatsApp with your checklist and next steps
Quick answer
Avanse vs Auxilo: Which Education Loan Is Better?
Avanse and Auxilo are both NBFC (non-bank lender)s, so the better choice depends on which one offers your university the higher unsecured amount and the lower spread. Get written offers from both. Choose Avanse if courses and universities that banks are less keen on; choose Auxilo if unsecured loans for US master's programs.
Ask on WhatsAppUpdated · Reviewed by the Visa Edu Loans loan & visa desk
Official sources: Avanse education loans · Auxilo education loans
Side by side
Avanse vs Auxilo at a glance
Indicative terms; confirm the current figures with each lender.
Repayment
EMI on a ₹40 lakh loan over 10 years
Illustrative, at the middle of each lender's indicative range.
Choose
Which one should you pick?
Pick Avanse if…
Families with non-standard income
Pick Auxilo if…
Unsecured loans for US master's programs
Pick Auxilo if…
Students who need fast sanctions
Our view
How we'd decide
Avanse and Auxilo are both NBFC (non-bank lender)s, so the better choice depends on which one offers your university the higher unsecured amount and the lower spread. Get written offers from both.
Compare the total cost — EMI × tenure plus fees — not just the headline rate. A lender with a slightly higher rate but no margin money or a faster sanction can still be the right choice if your visa date is close.
You can also take a quicker loan for the visa and refinance later; floating-rate loans to individuals can be prepaid without penalty under RBI rules.
FAQs
Frequently asked questions
Still have a question?
Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
On indicative ranges, Auxilo usually starts lower, but your actual rate depends on your university, collateral and co-applicant. Compare written offers.
Avanse: unsecured loans commonly reported in the ₹40–75 lakh range for eligible profiles. Auxilo: unsecured loans for eligible universities; high limits reported for the USA.
Yes. Applying to two or three well-matched lenders within a short window gives you a real comparison and negotiating power.
Explore
Keep exploring
Lenders
Lender guides
More comparisons
Other lender comparisons
Talk to an expert
Talk to a counsellor today
Share your profile — we reply with a checklist and next steps. Expert consultations over call start at ₹355.
Mon–Sat, 9 AM–6 PM IST