No, getting a loan does not depend on your income neither is it subject to credit checks. Any learner who meets the criteria will be able to apply for a loan, regardless of their current
You must be 19 years old or more and fulfil residency criteria. Check that the qualification you want to study, and the college/training provider are both eligible for loan funding. You can ask your college or training provider any questions you have about your eligibility and the course eligibility, and they will have the necessary details for you to apply.
For most qualifications you can apply for up to 4 loans and you can get more than one at the same time. The exceptions to this are:
A Levels: You can apply for a loan to fund each course you take towards your A levels – up to a maximum of 4 A levels. This means you can have up to 8 loans if you’re taking each A level as 2 separate courses (the courses must be in the same subject to qualify for a full A level.) You can also get 3 more loans for non-A level courses either before or after your A levels.
You can only receive one loan for an Access to Higher Education diploma.
If you need help with costs while studying, for example for childcare or travel, you may be eligible for support from the Advanced Learner Loan Bursary Fund. You can apply for this through your college or training provider. How much you get depends on the scheme at your college or training provider and your circumstances.