From initial calculation and seeing your first Funding Stack, to securing financing for fees when needed, Sencillo makes planning and funding simple.
From initial calculation and seeing your first Funding Stack, to securing financing for fees when needed, Sencillo makes planning and funding simple.
From initial calculation and seeing your first Funding Stack, to securing financing for fees when needed, Sencillo makes planning and funding simple.
Helping families plan smarter, pay smoother,
and feel confident about their future
Helping families plan smarter, pay smoother, and feel confident about their future
Helping families
plan smarter, pay smoother, and
feel confident about their future
Helping families plan smarter, pay smoother,
and feel confident about their future
1) Calculate Total Journey Costs
Build a plan by create profiles for your children and a view of total costs in seconds.
2) Review your
'Funding Stack'
2) Review your
'Funding Stack'
Allocating savings, investments and/or gifts from family or friends, then review any funding gaps you may have.
3) Explore
Financing Options
Explore our financing marketplace and select a funding solution that may help reduce any funding gaps.
Fees can be paid directly to you or your child’s education provider via our trusted lender partners. Track your repayments easily.
4) Track
& Manage
How families use the platform
The simple steps to visibility and confidence.
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2026.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice.
Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
From initial calculation and seeing your first Funding Stack, to securing financing for fees when needed, Sencillo makes planning and funding simple with 4 clear steps.
Modern Family Finance.
© Sencillo 2025.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice. Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
Modern Family Finance.
© Sencillo 2025.
Built with 🧡 in London.
Data and Privacy Policy.
Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice. Sencillo Finance Ltd is a company registered in England & Wales with company number: 15992336
1) Calculate Total Journey Costs
Create profiles for your children to build a view of total costs in seconds.
2) Review your funding stack
Allocating savings, investments or gifts from family or friends, then review any funding gaps you may have.
3) Explore Financing Options
Explore our financing marketplace and select a funding solution that may help reduce any funding gaps.
4) Track & Manage
Fees can be paid directly to you or your child’s education provider via our trusted lender partners. Track your repayments easily.
If you have questions about Sencillo, contact our support team via the chat icon in the bottom right of the screen, or email us at hello@sencillo.finance
If you apply for finance, your lender will provide full agreement details, and be able to answer any questions you have about your agreement with them.
If you have questions about Sencillo, contact our support team via the chat icon in the bottom right of the screen, or email us at hello@sencillo.finance
If you apply for finance, your lender will provide full agreement details, and be able to answer any questions you have about your agreement with them.
Getting help.
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.
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.
Applying for finance.
Will there be a credit check?
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. Seek professional support from a Wealth manager if you need direct advice.
Will applying affect my credit score?
A credit check may leave a record on your credit file. Missed repayments can negatively affect your 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?
Yes, you need to be a UK citizen.
About Education finance.
What is education fee finance?
Education fee finance is a type of credit that allows families to spread the cost of nursery, school fees or University costs over time instead of paying everything upfront.
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, dependant on the credit prodct you chose, 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.
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?
Yes. Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice.
How is Sencillo different?
Sencillo helps families understand the full education journey, not just one term at a time, supporting you to make better, more informed decisions.
FAQ's
Common questions and topics for families
Common questions and topics for families
Start now, plan smarter, build confidence.
Start now, plan smarter, build confidence.
Start now, plan smarter, build confidence.
Their funding
journey starts now
Their funding
journey starts now
We'd love to hear your thoughts and feedback!
Reach out and connect with us!
We'd love to hear your thoughts and feedback!
Reach out and connect with us!
We'd love to hear your thoughts and feedback!
Reach out and connect with us!
Plan, fund and manage your children's education costs!
Allocate funds – Savings & Inheritance – to plan ahead
Allocate funds – Savings & Inheritance – to plan ahead
Smart tools to calculate costs and see the big picture
Smart tools to calculate costs and see the big picture
Access a regulated Marketplace of tailored financial products.
Access a regulated Marketplace of tailored financial products.
Plan, fund and manage your family education costs!
Allocate funds – Savings & Inheritance – to plan ahead
Smart tools to calculate costs and see the big picture
Access a regulated Marketplace of tailored financial products.
The Smart Planning & Financing Marketplace – launching soon!
Plan, fund and manage your family education costs!
Allocate funds – Savings & Inheritance – to plan ahead
Smart tools to calculate costs and see the big picture
Access a regulated Marketplace of tailored financial products.
The Smart Planning & Financing Marketplace – launching soon!
Plan, fund and manage your family education costs!
Allocate funds – Savings & Inheritance – to plan ahead
Smart tools to calculate costs and see the big picture
Access a regulated Marketplace of tailored financial products.
The Smart Planning & Financing Marketplace – launching soon!
FAQ's
Common questions and topics.
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.
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.
Applying for finance.
Will there be a credit check?
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. Seek professional support from a Wealth manager if you need direct advice.
Will applying affect my credit score?
A credit check may leave a record on your credit file. Missed repayments can negatively affect your 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?
Yes, you need to be a UK citizen.
About Education finance.
What is education fee finance?
Education fee finance is a type of credit that allows families to spread the cost of nursery, school fees or University costs over time instead of paying everything upfront.
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, dependant on the credit prodct you chose, 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.
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?
Yes. Sencillo is regulated and authorised under the Financial Conduct Authority (FCA) as an appointed representative of Creative Finance Corp Ltd (FRN 702435) for all regulated credit activity. All content is for informational purposes only and does not constitute financial advice.
How is Sencillo different?
Sencillo helps families understand the full education journey, not just one term at a time, supporting you to make better, more informed decisions.
If you have questions about Sencillo, contact our support team via the chat icon in the bottom right of the screen, or email us at hello@sencillo.finance
If you apply for finance, your lender will provide full agreement details, and be able to answer any questions you have about your agreement with them.
Getting help.
How families use the platform
The simple steps to visibility and confidence.
4) Track
& Manage
Fees can be paid directly to you or your child’s education provider via our trusted lender partners. Track your repayments easily.
2) Review your
'Funding Stack'
Explore our financing marketplace and select a funding solution that may help reduce any funding gaps.
2) Review your
'Funding Stack'
Allocating savings, investments and/or gifts from family or friends, then review any funding gaps you may have.
1) Calculate Total Journey Costs
Build a plan by create profiles for your children and a view of total costs in seconds.
How families use the platform
The simple steps to visibility and confidence.
Responsible Lenders
Responsible Lenders
Responsible Lenders
Banks & Fintechs
Banks & Fintechs
Banks & Fintechs
Independent bodies
Independent bodies
Independent bodies
Wealth Advisors
Wealth Advisors
Wealth Advisors
Family Tech
Family Tech
Family Tech
FCA Regulated
FCA Regulated
FCA Regulated
FCA Regulated
Award Winning
Award Winning
Award Winning
Award Winning
Industry Leaders
Industry Leaders
Industry Leaders
Industry Leaders
The UK's first regulated
The UK's first regulated
Family Finance Marketplace
Family Finance Marketplace
