Ascent Funding | Flexible Student Loans & Member-Driven Financial Services

Introduction

At Ascent Funding, we believe that higher education should be accessible to everyone, regardless of background or financial status. Founded in 2015 and headquartered in San Diego, California, Ascent has quickly become a trusted resource for students and families across the United States. Our mission is to break down financial barriers and provide innovative, flexible lending solutions tailored to each individual’s journey. From undergraduate degrees to bootcamp programs, we offer transparent, digital-first banking that makes financing your dreams easier than ever. With 24/7 online access, responsive support, and a strong community focus, Ascent isn’t just a financial service—it’s a partner invested in your future. We’re proud to support not only U.S. citizens but also Dreamers, DACA recipients, and international students, ensuring that opportunity truly knows no boundaries.

Financial Services

Ascent Funding offers a comprehensive suite of financial products designed to meet the diverse needs of today’s students and their families. Our flagship products are private student loans, available in both cosigned and non-cosigned options, allowing flexibility based on credit history or future earning potential. We support funding for undergraduate, graduate, and career-focused bootcamp programs, so no matter your path, you’ll find a solution at Ascent. Our financial offerings extend to personal loans for debt consolidation or unexpected expenses, as well as savings and checking accounts with competitive rates and no monthly fees. All services are delivered through a robust digital platform, featuring mobile banking, e-statements, and secure, real-time account management. With a focus on clear terms and member-first service, we strive to make your financial experience smooth and empowering.

Financial Highlights

Since its inception, Ascent Funding has helped thousands of students successfully finance their education and personal goals. We stand out with some of the most competitive rates in the industry and a variety of flexible repayment options, including fully deferred, interest-only, and low flat payment plans. Ascent’s zero-fee policy means no application, origination, or prepayment penalties, ensuring that you keep more of your hard-earned money. Our products also offer higher interest on savings and no hidden charges for checking accounts. These financial advantages translate to real-world success: countless members have completed their studies, launched new careers, or consolidated debt—all thanks to Ascent’s supportive financial framework. Every year, our growing member base and positive reviews reinforce our reputation for stability, transparency, and member-first innovation.

Member Eligibility

Membership with Ascent Funding is open to a broad audience, yet our approach remains responsible and transparent. You must be at least 18 years old and a resident of the United States, though many of our loan products are also available to non-citizens, including DACA recipients and international students. In some cases, eligibility may be linked to your residence, employment, study, or worship within specific areas. We simplify the verification process with a straightforward online application and provide full details about eligibility criteria directly on our website. By extending membership to those who may be overlooked by traditional lenders, Ascent actively champions inclusion and accessibility—helping more students and families achieve their dreams without unnecessary red tape.

Digital & Online Banking

Ascent Funding is a pioneer in digital-first banking for students and young professionals. Our secure mobile app and online platform put the full power of banking at your fingertips. With 24/7 access, you can check balances, make payments, transfer funds, and review your transaction history from anywhere in the world. Features such as e-statements, digital account opening, and instant person-to-person payments make financial management fast and convenient, especially for busy students and on-the-go families. Robust security protocols ensure your personal data and funds are always protected. We also offer a suite of online financial tools—including loan calculators and educational resources—empowering you to make smart, informed decisions about your money.

Loan Offering

At Ascent Funding, our loan offerings are designed to give you maximum flexibility and control over your financial future. Choose from cosigned or non-cosigned private student loans, with options tailored for undergraduate, graduate, and bootcamp students. Ascent is proud to serve Dreamers and international students, expanding access to financing where other lenders may say no. Flexible repayment terms—including full deferral, interest-only, and $25 minimum monthly payment plans—allow you to customize your approach and keep your budget on track. There are no hidden fees, and we never charge for applications, originations, or early repayment. Beyond student loans, we offer personal loans for consolidating debt, making large purchases, or handling unexpected life events—all backed by transparent rates and member-first service.

Why Choose Us

Choosing Ascent Funding means joining a community focused on your success—not just as a student, but as a lifelong learner and financial decision-maker. As a not-for-profit, our earnings are reinvested in our members through lower rates, improved services, and new digital tools. We are committed to breaking down barriers, whether that means offering non-cosigned loans to students with limited credit or extending eligibility to DACA and international students. Our online-first approach makes financial management simple, secure, and accessible from anywhere. With responsive support, detailed educational resources, and a proven track record of empowering students, Ascent Funding is more than just a lender—it’s a true partner on your journey. Make the smart choice for your education and financial future—choose Ascent Funding.

Ascent Funding Credit Union