Climb Credit Financing

Apply for financing in as little as 5 minutes

With Climb, you can finance up to the full tuition of the cannabis program ($2,950). Their loan process is simple and fully-online. You can complete a Climb application in less than 5 minutes, and the vast majority of applicants receive a funding decision almost immediately.

Climb works with students from all kinds of credit backgrounds, including people without any credit to their name. Climb offers multiple ways to pay for your program.

Climb Offers:

Online Application

A quick online application — with the ability to add a cosigner — completed in as little as 5 minutes with no impact to credit score


Prepay, in part or in whole, at any time without penalty

Instant Decisions

Instant decisions 95% of the time, with the ability to accept and e-sign your documents in just a few clicks

Customer Service

Friendly and responsive customer service available by email (, phone (888-510-0533), and instant chat from 10am to 8pm Eastern

FAQs - Frequently Asked Questions

Do I need a co-borrower to take out a Climb loan?

Having a co-borrower isn’t required, but you may end up with a lower interest rate if you do decide to apply with one. Adding a co-borrower can also increase your chances of getting approved.

What would my interest rate be?

Climb’s interest rates are always fixed, which means you don’t have to worry about your monthly payment amounts changing from month to month. Offerings differ by program. What your rate ultimately depends on is your state of residence, the program you enroll into, your credit history, and any applicable laws and regulations.

How (and when) should I expect my loan to be funded?

The loan won’t be funded until after you’ve started the program. Once your loan is finalized, accepted by you, and we’ve verified your attendance in the program, Climb would send tuition funding directly to us. This typically occurs within 2 weeks of you starting class.

How do I make loan payments?

Payments are handled by Climb’s loan servicing partner, University Accounting Service. Through UAS, you can enroll into autopay or make manual monthly payments online or by personal check. Most Climb borrowers choose autopay because they don’t have to worry about late payments. As an added bonus, Climb will reduce your interest rate by 0.25% if you sign up for autopay. Climb will send you instructions on how to sign up for UAS once your loan is funded.

When do I start making monthly payments?

With the Climb loan, your first payment is due one month after your loan is funded by Climb.

What happens if I get denied for a Climb loan?

When a student is denied, they will be asked to reapply with a co-borrower. The student will then receive a separate email that includes an Adverse Action Notice with more information on the decision. Students should feel free to apply as many times as they like with different co-borrowers, as just applying will never affect your credit score.

If I apply and get approved, am I locked into the loan?

Students are welcome to apply to just explore their options. There is no obligation to accept the loan if they’ve been approved. Even after students sign for the loan, they are able to decline/cancel their loan terms up until the loan is funded.

What happens if I am unable to make a payment?

Climb wants to help. They offer payment deferment options for qualifying borrowers. Just reach out to learn more.

Is there a loan cancellation period?

After students sign their Master Promissory Note (their loan documents) there is a mandated 4 business day window where the loan cannot be funded, no matter the course start date. Students can cancel their loan risk free within this period, or up until the 1st day of class – whichever is longer.

Have more questions? Visit Climb’s Help Center.