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Advanced Learner Loan



  • Advanced Learner Loans can be used to pay for the full cost of your training.

  • Repayment is due from the April after you complete your training and will be taken directly from your tax code.

  • Repayments only commence once you are earning over £21,000 a year.

  • 9% of everything you earn over £21,000 per year will be deducted automatically on your wage slip by HMRC.



You Must:

Be aged 19 or older on the first day of your course

Be studying towards a Level 3, 4, 5 or 6 qualification

Have been living in the UK for 3 years before starting your course

Be a UK national or have ‘settled status’

Eligibility Checker


Advanced Learner Loans are available for the below Qualifications:

  • Level 3 Certificate in Personal Training
  • Level 3 Diploma in Fitness Instructing and Personal Training
  • Level 3 Diploma in Exercise Referral
  • Level 3 Diploma in Sports Massage
  • Level 4 Certificate in Low Back Pain
  • Level 4 Certificate in Obesity and Diabetes

How to Apply

The application process is straight forward and quick.  Once you have been in contact with CMS you will receive a loan information letter.

The information letter will provide you with all the information you need to apply and be approved for your loan.

To apply for the loan you will be required to visit the Finance England website to register and complete the application form.

Apply Online

Bursary Fund

You may apply to get money from the Loan Bursary Fund after you’ve received a letter approving your Advanced Learner Loan.

The money can help pay for things like:

  • accommodation and travel
  • childcare
  • classroom assistance for a disability or learning difficulty

Speak to one our team members for further advice.




You’ll have to pay your loan back when both the following apply:

  • you’ve finished your course
  • you earn more than £21,000 a year

Payments will be taken directly from your tax code.

Quick Guide to Repayment

How Many Loans Can I Have

Each individual can access four Advanced Learner Loans.  All four loans can be taken out at the same time

They can be at the same or different level (Level 3, 4, 5, 6), size (Award, Certificate, Diploma) and type (Fitness).

Contact CMS

Our Terms and Conditions

Learners are entitled to withdraw from a programme without incurring any cost within 14 days of starting a programme.

A learner is liable for the full cost of the course once they have been in learning for 14 days.

CMS Terms and Conditions 


CMS are able to offer a range of finance products to our customers ensuring you are able to purchase your course in the most cost effective way possible.

CMS finance products include:

  • 1-5 years 0% interest
  • 1-5 years 9.9% APR
  • 1-5 years 19.9% APR

Use the calculator to see how you could fund your programme and click 'Launch Loan Application' to apply.  Alternatively contact a member of our sales team today on 01924 470 477.  

CMS Fitness Courses

CMS Fitness Courses deliver a range of Fitness and Personal Training Courses in the West Yorkshire region. Offering high levels of support and flexibility to all our students, our values ensure we are market leaders in the delivery of Fitness and Personal Training Courses to the industry.

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Registered in England and Wales under company number 4108137
VAT number: 143 4089 23

Our calls are recorded for quality and training purposes

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