Determining your eligibility is simple: fill out our common app, which covers your desired course of study, and some details about you to help match you to available lenders. If eligible, you’ll instantly receive personalized and/or prequalified rates on your Meratas Dashboard from our partner lenders.

We specialize in career-focused loans, covering both personal and educational loans, which can be used for upskilling or short-term certification courses. You can also use Meratas to finance 4-year programs if needed.

Meratas connects you with lenders that provide loan rates for personal, higher education, and career-training, which include loan rates for:

• Career training for certificate programs and non-degree courses.
• Private student loans for undergraduate, graduate, and other educational programs.

We also provide options for personal loan rates that can be used for living expenses or related expenses.

After filling out our application, if eligible, you’ll instantly see prequalified rates from multiple lenders on your Meratas Dashboard. These rates are based on a soft credit inquiry, which does not affect your credit score.

Not all lenders work with every program or credit category. If you didn’t receive any prequalified rates, it may be because your chosen school is not supported by our lending network. We can help match you to similar programs that are supported by more lenders and/or offer flexible payment options.

Meratas partners with various career training programs and schools across the country. We connect students to specialized lenders who understand the needs of career changers and those pursuing non-degree programs. Although Meratas is not a lender, we work with various lending and banking partners to help you search for and compare loan rates tailored to your circumstances.

After selecting a prequalified rate and submitting all required documentation, our partner lenders typically respond within 1-2 business days. The timing of the disbursement can vary depending on your school’s certification schedule.

Where ever possible, we try to work with lenders that do not require cosigners. And many of our career lenders do not require one.

While a cosigner is not required for everyone, having a creditworthy cosigner can increase your chances of approval and may improve your interest rate. International students and applicants with limited credit histories are encouraged to apply with a cosigner.

In some cases, yes. Some of Meratas's partner lenders offer the opportunity for a borrower to release their cosigner after a certain period. To confirm whether this is an option, please check directly with the lender.

Meratas offers a school matching service that considers your career goals, the types of programs available, and flexible payment options to help you learn about career-focused educational opportunities. When you click on one of our features schools, we may earn compensation directly from the school.

Yes! We specialize in helping career changers find personalized loan rates for short-term certificate programs and career training courses. If you already know the program you want, we’ll help you find a rate that fits your needs. If you haven’t decided yet, we can recommend career programs that offer flexible financing, scholarships, and payment options.

Meratas may receive compensation from a Lender or School program that you are matched with. Please note, however, that while we are compensated by the lenders and schools we work with, this does not singularly influence our decision to promote a lender and/or school. We work with lenders and schools that we believe offer reasonable options for our users based on multiple factors. We encourage all users to conduct their own thorough research and due diligence before making a final decision on their educational path.