What we offer
1
Funding your dream
With us it is possible to get a loan with convenient repayment terms and low interest rates without collateral and credit history. Loans are granted for academic, vocational and language programs in the countries on our list or at partner educational institutions. In addition, the loan can be used to replenish a blocked account (in Germany) or to cover living expenses when enrolling in free educational programs.
The loan approval process is based on AI Scoring, making the process independent of your credit history, bank employee sentiment and bureaucracy.
2
Personal account, transfers and cards
Now you can open an account for international transfers and a multi-currency card for payments and currency conversion with favorable conditions in three clicks. Our advantages are free account opening, direct transfers to Europe, low commissions for transfers, favorable currency conversion, generous bonuses for active clients and referral programs.
Get loan approval with AI Scoring without collateral and credit history
Study and Vocational programs
Choose your career path
with our AI Assistant
Pathway Language Courses:
English: IELTS / TOEFL / Academic English
German: A1–C1, Studienkolleg prep, TestDaF
French: DELF/DALF
Postgraduate Study Programs:
Cybersecurity
Renewable Energy / Sustainability
Biotech / Life Sciences
Finance / Fintech
Public Health / Epidemiology
Vocational/Training Programs:
ICT / IT Support / Network Admin
Electrician / HVAC / Plumbing / Welding
Automotive / e‑Mobility Tech
Dental Technician / Health Assistants
Culinary / Hospitality / Hotel Management
Logistics / Supply Chain / Warehouse / E‑Commerce related trades
Choosing educational and vocational programs is easy with the AI Assistant.
Don't lose out on currency exchange rates and international transfers!
With us, you get favorable exchange rates and transfers without commissions
What users of the platform say about us
I have long dreamed of visiting Europe and studying to become a cosmetologist, but my family could not afford to pay for my education.
Now, thanks to the PayRav platform, I have this opportunity. After completing my studies, I plan to start working and in the future to launch my own Beauty Salon in Berlin.
Thank you for this opportunity!
Alina Nazarova, 24 years old. Kazakhstan.