For eligible African applicants

£4,000 opens the door.
SmartPay carries the rest.

A structured, 0% payment route to a UK Master's degree - built for African students, starting with the 2026 and 2027 intakes.

£1,700 GlobCred Cash Reward Funded by GlobCred - not a university scholarship

Where it takes you

Partner universities on the SmartPay route

The University of Law
Arden University
Edinburgh Napier University
And more

Your tuition, explained

From £17,500 to an £11,000 SmartPay balance

Every deduction is applied before your monthly plan is calculated - so the number below is what SmartPay actually covers.

Total tuition£17,500
Tuition scholarship- £2,500
Initial university deposit- £4,000
SmartPay balance£11,000

Your monthly SmartPay plan

Twelve payments, direct to your university

Month 1
3 days after visa approval
£500
Month 2
Standard instalment
£500
Month 3
Standard instalment
£500
+ £1,700 GlobCred Cash Reward, credited to your UK account
Months 4-11
8 instalments
£867/mo
Month 12
Final instalment
£864
You pay £9,300 · GlobCred adds £1,700 = £11,000 SmartPay balance, paid directly to the university

Pay from Africa in local currency or bank transfer - GlobCred manages the conversion to GBP, so the amounts above are what you plan around.

Where you could study

Popular Master's programmes

MSc Artificial Intelligence for Business MSc Computing MSc Marketing MSc Legal Technology

How the routes compare

Three ways to pay an £11,000 balance

Same tuition balance, three different ways to fund it - SmartPay is built to sit between the cash strain of paying upfront and the added cost of borrowing.

Bank or other lender loan GlobCred SmartPay
Instalments 18-24 instalments 12 instalments
Interest Approximately 10% APR 0%, fixed
Cash benefit None £1,700 Cash Reward, paid to you
First payment due Approximately £700/mo + interest £500, 3 days after visa approval
Who's paid Lender first, then university University, directly
Estimated total cost £14,000-£14,500 £9,300 net, after your Cash Reward

SmartPay spreads your balance over 12 fixed, interest-free instalments and adds a £1,700 Cash Reward on top - while a bank or lender plan adds interest to the same balance.

Why SmartPay

Built to be predictable

  • 0% interest, every month, on the full balance
  • No education loan or credit agreement required
  • £1,700 GlobCred Cash Reward, paid directly to you
  • Payments go straight to your university, never through a third party
  • One monthly amount, fixed for the length of your plan

Compared to a bank loan

An estimated £4,700-£5,200 benefit

£1,700 GlobCred Cash Reward
+ approximately £3,000-£3,500 in loan interest avoided
≈ £4,700-£5,200
total benefit versus a comparable interest-bearing loan*

Check your eligibility

Speak with a GlobCred student advisor to confirm your SmartPay plan and next intake date.

Start my eligibility check
SmartPay and the GlobCred Cash Reward are subject to eligibility, university confirmation, and visa approval. The GlobCred Cash Reward is funded directly by GlobCred and is not a university-administered scholarship. *Interest saving is illustrative, based on a comparable loan charging approximately 3,000-3,500 GBP in interest over the equivalent term; actual lender costs vary by lender and terms. Figures shown are for one representative tuition total (17,500 GBP) - your own plan will be calculated against your offer letter.