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Enrol Now, Pay Later

No Funds? No Problem.

We’ll provide you with a credible pathway to demonstrate proof of funds for your student visa. Get your visa sorted quicker with ENPL.

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Secure a loan that helps with your visa approval

Problem:

Many students receive study offers but cannot proceed due to high upfront costs. 20% of Australian student visa are denied due to insufficient Proof of Funds.

Solution:

ENPL provides a fast, credible and compliant way to meet financial capacity requirements for student visa applications.

Students and sponsors can flexibly manage cash flow while securing education dreams

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How ENPL Works

Step by Step

Step 1

Agent secures Offer of Enrolment (OoE) from education provider.

Step 2

Agents assesses financial needs for student  – tuition deposit, OSHC, visa lodgement.

Step 3

Student and Sponsor apply to Edfin for ENPL loan (Proof of Funds).

Step 4

Edfin reviews application based on set criteria.

Step 5

Edfin Issues an indicative ENPL Offer based on eligibility.

Step 6

Student/Sponsor accept offer deposits agreed collateral + Edfin fees into Edfin account.

Step 7

Edfin Opens a Certificate of Deposit in student’s name as compliant Proof of Funds.

Step 8

Edfin pays tuition deposit, OSHC, visa fees and other costs on student’s behalf.

Step 9

Agent or migration partner lodges visa application using ENPL supported Proof of Funds.

Step 10

Visa granted. Student/Sponsor repays Edfin in flexible instalments.

Benefits

Visa-ready fund access.

Funds go direct to provider.

100% Secured model.

No COE required – We help you get it!

Covers: Tuition | Health Cover | Living | Flights.

Repay once your visa is granted and you’ve begun study.

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Eligibility

Upfront minimum funds for collateral.

Applying via an authorised education agent.

Have a Sponsor with income capacity (offshore or onshore).

Valid travel documents.

Valid Genuine Temporary Entrant (GTE) documents.

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Agent: Partner With Us

Help More Students Succeed

Partner with EdFin to unlock new markets and boost visa approvals.

Funding for International Students

Key Benefits

Boost visa success rates

Expand access for partial-fund clients

Faster COE issuance and course commencement

No commissions—but we co-invest in your marketing

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ENPL Partner Benefits

Agents

  • Higher Conversions: Help more students meet visa funding requirements.
  • Boost Visa Success: Improve outcomes, even for students with partial funds.
  • Faster Commissions: Quicker visa lodgement means faster payouts.
  • Trusted Partner: Work with a lender who understands and supports student success.
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Education Providers

  • Increased Enrolments: Convert more offers into confirmed students
  • Lower Deferrals: Reduce delays, dropouts, and COE withdrawals
  • Expanded Market Access: Reach quality students in liquidity-constrained regions

Investors

  • Low-Risk Returns: Backed by 50% cash collateral and legal compliance.
  • Scalable Market: 250,000+ annual enrolments with high unmet demand.
  • Mission-Aligned Impact: Support education with real social and economic outcomes.

Students & Sponsors

  • Accessible Funding: Structured, compliant support when full fees aren’t available.
  • Peace of Mind: Sponsors retain control; repayments start after visa approval.
  • Better Visa Chances: Strengthens Proof of Funds, improving approval outcomes.

Government & Regulators

  • Supports Migration Policy: ENPL aligns with GTE and skilled pathways.
  • Promotes Responsible Lending: Fully licensed under ACL 549 660.
  • Drives Inclusion: Broadens access for underrepresented student groups.
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