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Loan letters

Loan letters

If your loan is provided by your national, state or regional government or provided by a government sponsored student loan company, or it part of an academic or educational loan scheme, then you can show a loan letter from this provider as evidence of your funds.

The letter should be dated no more than 6 months before the date you submit your visa application. It must contain the following details:

▢ your name;
▢ the date of the letter;
▢ the financial institution’s name and logo;
▢ the money available as a loan;
▢ confirmation that the loan is provided by your national government, their state or regional government, a government sponsored student loan company or is part of an academic or educational loans scheme.

It should be clear from the documents submitted how the loan will be disbursed, and that the money must be available to you before you travel to the UK unless they meet either of two exceptions:

  • the loan is an academic or student loan from your country’s national government and it will be released on or before arrival in the UK, or
  • the loan funds are or will be paid directly to the Tier 4 sponsor before you travel to the UK and the living costs portion of the loan will be released to you on or before your arrival in the UK

You cannot use a loan in the name of your parents.

You cannot use a loan letter to show funds for your dependant. 

Your loan letter would not be accepted if it is from a financial institution from which the Home Office is unable to satistactorily verify documents. You can check the list of financial institutions in Appendix P of the Immigration Rules.

If you are getting a US Federal Loan, please see the information on the Loans for American students page and contact the Queen Mary Bursaries Office with any queries - They will be able to provide you with a letter confirming your loan, for your Tier 4 application.

For further details about the requirements of a loan letter, please see the Tier 4 Policy Guidance

Law, regulations and policies can change quickly. The information on our website is given in good faith and has been carefully checked but QMUL cannot accept responsibility for any errors or omissions. QMUL is not responsible for the content or reliability of the linked websites which are provided for further information.

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