Undergraduate Student Loan

We all know the importance of higher education and earning a college degree. Investment in higher education could yield high returns – for you career, your future, and your overall financial wellness.

And just like most, the path to higher education is not without a student loan. A student loan provides you the peace of mind that your education is paid for while you work toward getting your degree.

Ardent Undergraduate Private Education Line-of-Credit

  • Variable rates
  • Flexible repayment and in-school deferment options
  • Easy online application and instant credit decision
  • Convenient line of credit structure allows you to get funding for your entire undergraduate career with just one application

Apply Today

*The APR for our undergraduate private education line-of-credit is variable and is based on the Prime index, plus a margin. The margin rate currently ranges between 3.00% and 5.00%, depending on the borrower’s or co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate.

Product APR1 Maximum term Monthly Cost
(per $1,000)
Personal Loan As low as 6.49%2 72 months $16.85
Student Loan (Undergraduate) As low as 7.75%3
Student Loan Refinance As low as 2.49%3 (Variable) 5 years
Student Loan Refinance As low as 3.64%3 (Variable) 10 years
Student Loan Refinance As low as 3.89%3 (Variable) 15 years
Student Loan Refinance As low as 3.49%3 (Fixed) 5 years
Student Loan Refinance As low as 4.64%3 (Fixed) 10 years
Student Loan Refinance As low as 4.89%3 (Fixed) 15 years
Share Secured Share Rate +1.5% 120 months
Certificate Secured Certificate Rate +1.5% 120 months
QuickCA$H Line-of-Credit 12.25%
VISA Platinum Card as low as 10.88% fixed4
VISA Gold Card as low as 10.96% fixed4
VISA Classic Card as low as 9.99% fixed
VISA Secured Card 17.90% fixed ($25 Annual Fee)
Lend-a-Paw Line of Credit 8.99% APR