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Study Now, Pay Later

The smarter way to pay your semester fees!

Your money should be able to do a lot more for you than being tied up with one major expense at a time. With Oraan’s Study Now, Pay Later plans you can break your semester fee into equal monthly amounts and unlock your money for building your emergency funds, investing all while maintaining your lifestyle.


Join hundreds of students studying at our partner universities who use our SNPL plans and claim your financial independence.

How it works?

1) Students enrolled in our partner institute apply via an online form
2) The Oraan team gets in touch with you within 2 working days and requests a few documents
3) You get verified and approved and get a tentative plan
4) You accept your plan & Oraan pays your university directly
5) You pay Oraan back in 3, 6 or 10 month easy instalments

Benefits for Partnered Institutes:

  • Better cash flows

  • Reduce drop-outs as students get easy financial assistance

  • Decrease the unnecessary hassle around fee collections

  • Add another financial option for your student body and their parents creating greater goodwill

Benefits for Students/Guardians:

  • Zero processing fee and shariah compliant*

  • Fully digital process, no collateral requirements

  • Minimal documentation, faster approvals within 7 working days

  • Greater financial independence, helping make your household more financially savvy

  • No complicated, merit or financial need based, eligibility criteria

*Shariah Certificate For Study Now, Pay Later 


Neha Ismail

I never wanted to burden my parents with my higher education, so I set out to complete a master's degree on my dime. I learned about Oraan through a group, and once we talked about my case, trust me, I felt at rest. I'm grateful to Oraan for assisting me in achieving my goal.

Shahmeer Khan

Oraan  truly helped me a lot with my studies,  we were considering taking loans for the semester fee as we couldn't accumulate that amount in the time given but Oraan was there to help us , the team was incredibly supportive and always communicating with me to get everything done on time .

Tawwab Rasheed

Oraan has been genuine support to me in terms of my university fee.  It was a bit hard for me tackle the finances but a big salute to the entire team that they were always a message away and they greatly supportive and comforted me  throughout the semester

Get in Touch

Want to find out more about partnering with us? 

Fill out this form!

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Our Partners

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