How it works
From nursery to university, simply
Five steps to a calm, clear plan for your children's education costs.
1. Plan
Build a plan and feel confident about the journey ahead.
2. Scan
Scan invoices and let our system make it simple.
3. Fund
Spread fees to smooth costs.
Coming soon: Save for the future
Add your family
Tell us about your children and the schools or stages you're planning for.
See the big picture
We forecast fees year by year, so you see total costs and key dates on one timeline.
Allocate what you have
Map savings, investments and family gifting against each milestone.
Follow a clear plan
Get a simple monthly or annual plan, plus access to relevant products at the right time.
Access our regulated marketplace
Access financial products from our Regulated marketplace to support you on your journey.
Live now
- Smooth fees over time with award winning Responsible Financing products
Coming soon
- Save for the future with Savings and Investment products
- Protect the future with Insurance
- Gain more confidence with regulated Advice
Marketplace Partners
A curated panel of regulated, award-winning lending partners — giving families real choice and competitive products, while ensuring every referral meets our responsible lending standards.
+ more partners coming soonStart planning with confidence!
Education costs are rising, cashflow can be stretched and payment options aren't always as flexible as you need.
See the full picture of your children's education costs in minutes. Free to start.
Parent FAQs
Questions, answered
About Sencillo
What is Sencillo?+
Sencillo is a free digital platform designed to help families understand, plan, and manage the cost of their children's education – from early years through to university.
We provide smart planning tools and information to help families look at their finances in alignment with education costs, and explore your options. Where appropriate, we also introduce families to regulated financial products, such as Loans or Savings products, offered by third-party providers, via our Marketplace.
Is Sencillo a lender?+
No. Sencillo is a regulated credit broker. We do not lend money ourselves.
If you choose to apply for finance, Sencillo may introduce you to an FCA-authorised lender who provides the finance and manages the credit agreement.
Is Sencillo regulated?+
How is Sencillo different?+
About education finance
What is education fee finance?+
How does it typically work?+
When you engage in the financing product:
- The lender pays the education provider directly
- You repay the lender in monthly instalments
- The agreement is a regulated consumer credit agreement
Borrowing always involves cost and should be considered carefully.
Can the money be paid to myself?+
Yes, depending on the credit product you choose, the money can be paid directly to you, the borrower, and you pay the education provider.
In this instance, key aspects remain the same:
- You repay the lender in monthly instalments
- The agreement is a regulated consumer credit agreement
Is education finance right for everyone?+
No. Education finance can help some families manage cash-flow, but it isn't suitable for everyone.
You should consider affordability, total cost of borrowing, and alternative options such as savings or family support. You may wish to speak to an independent financial adviser.
Will borrowing cost more than paying upfront?+
Yes. Using education finance usually costs more overall due to interest and fees.
You will always be shown the total amount repayable before applying.
Applying for finance
Will there be a credit check?+
Will applying affect my credit score?+
Am I committing by exploring options?+
No. You are not committed unless you choose to accept a credit agreement.
Exploring options on the Sencillo Marketplace will not affect your credit score.
Do I need to be a UK citizen?+
Important things to be aware of
What happens if my child leaves the school?+
Your credit agreement is separate from your agreement with the school.
You are still responsible for repayments even if circumstances change.
Is Sencillo providing financial advice?+
No. Sencillo provides information and tools but does not provide personalised financial advice.
You may wish to speak to an independent financial adviser.
Getting help
I have a question about Sencillo+
Contact our support team via the chat icon in the bottom right of the screen, or email us at hello@sencillo.finance.
I have a question about my finance agreement+
Start planning with confidence!
See the full picture of your children's education costs in minutes. Free to start.