Yocket Loan Refinance

Yocket Finance

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Yocket Finance

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Lower Your Education Loan Interest.

Studying or working abroad? You may qualify to refinance your Indian education loan at a lower rate.

Estimate My Savings

What is Education Loan Refinancing?

Refinancing (or balance transfer) lets you shift your existing education loan to a new lender offering improved terms — such as a lower interest rate or revised tenure.

Your New Lender Takes Over

The new lender pays off your outstanding balance with your current bank. You continue repayment with updated terms — often at a lower rate, a different tenure, or both.

Checkout the entire process →

New Loan

APR

9.99% (no fees)

Monthly EMI

₹63,900

New Tenure

7 Years

Once you graduate and start earning — especially abroad — your stronger income and credit profile can qualify you for better loan terms

Depending on your eligibility, refinancing can reduce your EMIs, let you switch lenders, and even unlock additional top-up funding

Depending on your eligibility, refinancing can reduce your EMIs, let you switch lenders, and even unlock additional top-up funding.

Top-Up Loan Amount

₹12,00,000

Rate of Interest

8.99%

Existing Loan

₹70,00,000

Rate of Interest

10%

Small Rate Drop. Big Savings.

Even a modest reduction in interest rate can significantly lower your total repayment over the remaining tenure of your loan.

Get Started →

Check Eligibility

Our Refinance Partners

We continually seek out new partners to enhance our trusted network, ensuring you receive the best possible services.

Who is Eligible to Refinance?

You may be eligible to refinance if:

You took an education loan from an Indian lender

You are currently studying or working abroad (US, UK, Canada, Australia etc.)

You are currently studying or working abroad (US, UK, Canada, Australia)

You have started earning or have strong future income visibility

Your repayment history has been consistent

*Factors effecting eligibility: Current Interest Rate, Remaining Tenure, Credit Profile in India or Abroad, Outstanding Loan Amount, Co-applicant or Collateral Status

You have started earning or have strong future income visibility

Share Basic Details

We'll use this to assess their refinance eligibility and reach out directly.

Why People Refinance Through Yocket Finance

We simplify the refinance process and help you compare the right options — transparently and digitally.

Help someone lower their loan burden — and earn $100 when they refinance through Yocket.

2,000+ Students Assisted with Refinancing

Yocket has supported thousands of Indian students and professionals navigating global education loans and refinancing journeys.

Global Focus

Supporting Indian borrowers across the US, UK, Canada, Australia and other key study destinations.

100% Digital Process

No branch visits. No physical paperwork. Clear coordination and transparent communication.

Dedicated Advisor Support

Every applicant receives guided, structured support throughout the refinance evaluation and documentation process.

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How the Refinance Process Works

Timelines vary depending on lender and documentation, typically ranging from 3 days to 1 week

Check Eligibility

Share basic details about your existing loan and current country of residence. This helps us assess refinance potential.

Compare Refinance Options

We match your profile with suitable refinance lenders and share estimated rate ranges and savings.

Documentation & Approval

Submit required documents digitally. Your assigned advisor coordinates with the lender for approval.

Loan Closure & Switch

The new lender settles your existing loan, and you begin repayment under the new terms.

Check Eligibility

Frequently Asked Questions

Will checking my refinance eligibility affect my credit score?

How much can I save by refinancing?

Can I refinance without collateral?

Is refinancing possible while I am still studying?

How long does the refinance process take?

Do I need to travel to India to refinance?

One stop solution for all your financial needs.

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+91-8210252527

support@yocket.in