Sixup, the smart student loan
A No Cosigner Loan Designed for You
Not everyone has access to a cosigner with great credit. At Sixup, we don’t think that should ruin your chances of going to college; that’s why we created merit-based loans. We give loans based on GPA and other academic factors so you don’t need a cosigner or a credit history. Plus you’ll get more than just a loan, you get free tutoring, essay review and career tools.
To apply for a Sixup loan you'll need to have a GPA of 3.0 or above. We don't accept cosigners and you don't need a credit score, but if you have one it needs to be over 600.
Take a look at the other requirements below.
- Your permanent address is in Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Massachusetts, New Hampshire, New Jersey, North Carolina, Nebraska, New Mexico, Oregon, Texas, Virginia, West Virginia, or Wisconsin.
- Four-Year College. You are enrolled in a title IV, accredited, four-year institution or will be attending one when the loan starts.
- US Resident. You are a US citizen or permanent resident.
- 18 or Over. You are over the age of 18 (or have a co-signer over the age of 18).
- Strong Academic Performance. Sixup looks at things like grades and courses, and you'll need to upload your transcript during the loan process.1
- Loan Size. You have a minimum need of $2,500 (above $3,000 for Georgia residents and must be at least $5,000 for California residents) and maximum need of $15,000 per academic school year.2,3
1 Rates based primarily on academic record and financial need. Fixed Rates range from 6.890% to 9.89% (6.58% to 9.19% APR); Variable Rates (which can go up and down during the life of loan) range from 7.00% to 9.933% (6.553% to 9.22% APR) (Rates subject to change; Variable Rates based on LIBOR).
2For a $10,000 loan, assuming they make 54 payments of $20 a month for an academic deferment period of 48 months of school plus 6 months, they will then make 120 monthly payments of $176.35, paying a total of $22,242.00, assuming the highest possible rate of 9.933% (9.218% APR) (Subject to change).
3Repayment Example: For a $10,000 loan, assuming you make 54 payments of $20 a month for an academic deferment period of 48 months of school plus 6 months, you will then make 120 monthly payments of $173.34, paying a total of $21,880.80, assuming the highest possible rate of 9.49%. Additional terms and conditions provided in disclosure and agreements.