10 Most Affordable Online Finance Associate Degrees 2025

If you're considering a career in finance, getting your finance associate degree is a great way to start. This two-year program gives you the fundamentals of financial management, accounting, and business operations, basically everything you need to land entry-level jobs in banking, insurance, or corporate finance.

When you choose an affordable online program, you can build those essential financial skills without taking on unnecessary debt. We've put together some of the best online finance associate degrees that offer flexible schedules and budget-friendly tuition.

What Is an Online Associate Degree in Finance?

An online associate degree in finance is a two-year program that gives you a solid foundation in key areas like accounting, economics, business law, and financial planning. You'll learn important skills in budgeting, interpreting financial data, and supporting business decisions.

Your coursework will cover things like financial accounting, investment basics, and the software tools that finance professionals use every day. If you're eager to jump into the finance world quickly or want a solid foundation before continuing your education, this degree is a practical choice. If you're drawn to banking, working with insurance policies, or supporting a company's financial decisions, an online program gives you the ability to study on your own terms.

How Much Does an Online Associate Degree in Finance Cost?

Understanding the financial investment is important when considering any degree program. Most online finance associate programs charge between $300 and $500 per credit hour, which typically totals between $18,000 and $30,000 for the complete degree.

Community colleges often offer the most affordable options, particularly for in-state students. Some public and nonprofit schools provide consistent online tuition rates regardless of your location, which can result in significant savings.

Remember to factor in additional costs like registration fees and textbooks when planning your budget. Also, financial assistance is often available through federal grants, scholarships, and employer tuition reimbursement programs.

Cheapest Online Finance Associate Degrees

If you want to begin your finance career while keeping education costs manageable, these online associate degree programs offer excellent value. Each school featured here provides online learning, maintains proper accreditation, and offers reasonable tuition rates.

1. University of Arkansas Grantham

University of Arkansas Grantham's (UA Grantham) online Associate of Arts (AA) in business administration gives you a strong foundation in finance and management that employers value. You'll study essential topics like accounting, microeconomics, business law, and financial systems that will prepare you for business operations roles or further finance education.

The program is available in convenient eight-week class sessions that work around your existing commitments. One of the standout benefits is their generous credit transfer policy, allowing you to apply up to 75% of your previous coursework toward your degree. This means you can potentially cut both your time to graduation and overall costs significantly.

• Estimated tuition cost: $305 per credit
• Financial aid: UA Grantham accepts the Free Application for Federal Student Aid (FAFSA) and offers scholarships, military benefits, and payment plans.
• Accreditation: Distance Education Accrediting Commission (DEAC)

2. Champlain College Online

Champlain College Online delivers a fully online Associate of Science (AS) in finance specifically created for busy adults managing multiple responsibilities. The curriculum covers financial accounting, investments, economics, and money management, providing you with practical skills that apply to both personal finance decisions and business settings.

Classes move at a steady pace through seven-week terms, allowing you to maintain momentum in your studies while handling other life priorities. The college accepts up to 45 transfer credits, which can help you reach graduation sooner while reducing your total educational investment.

• Estimated tuition cost: $335 per credit
• Financial aid: Champlain accepts the FAFSA and offers scholarships, military tuition discounts, and grants.
• Accreditation: New England Commission of Higher Education (NECHE)

3. Southern New Hampshire University (SNHU)

Southern New Hampshire University (SNHU) offers an online AS in finance that equips you for entry-level positions in banking, investing, and financial operations. Your coursework will include financial accounting, money and banking, corporate finance, and business law, all essential knowledge for finance professionals.

The program's self-paced structure means no rigid class schedules, giving you the freedom to study during hours that work best for you. Previous college experience can work in your favor here, as SNHU accepts up to 45 transfer credits to accelerate your path to graduation.

• Estimated tuition cost: $342 per credit
• Financial aid: SNHU accepts the FAFSA and offers grants, scholarships, and credit for prior learning or military experience.
• Accreditation: NECHE

4. American Public University

American Public University's (APU) online AS in accounting incorporates valuable finance-related content, including financial analysis, business fundamentals, and managerial accounting.

The program accommodates working professionals and busy families through monthly enrollment opportunities and manageable eight-week course formats. With the ability to transfer up to 45 credits from other institutions, you can build on your existing educational background to complete your degree more efficiently and cost-effectively.

• Estimated tuition cost: $350 per credit
• Financial aid: APU accepts the FAFSA and offers military tuition assistance, scholarships, and grants.
• Accreditation: Higher Learning Commission (HLC)

5. American Military University

American Military University (AMU) offers an online AA in business administration that addresses key finance concepts, including accounting, economics, and financial management.

Tailored specifically for working adults and those with military connections, the program features eight-week courses with new sessions starting monthly. This structure ensures you can begin your studies when the timing works for your situation. Like many programs, AMU recognizes up to 45 transfer credits, enabling you to leverage your previous academic work toward completing your degree faster.

• Estimated tuition cost: $350 per credit
• Financial aid: AMU accepts the FAFSA and offers military tuition assistance, scholarships, and grants.
• Accreditation: HLC

6. Liberty University

Liberty University's online AA in business establishes a comprehensive foundation in finance, accounting, and business operations. Your course selection includes financial and managerial accounting, economics, and business law to prepare you for entry-level employment or advanced studies.

The program runs on eight-week terms with pacing that adapts to your schedule. A distinctive feature is Liberty's integration of a Christian worldview throughout the academic experience. The university welcomes up to 45 transfer credits, which can substantially reduce your time to degree completion.

• Estimated tuition cost: $390 per credit
• Financial aid: Liberty University accepts the FAFSA and offers institutional scholarships, grants, and military tuition assistance.
• Accreditation: Southern Association of Colleges and Schools Commission on Colleges (SACSCOC)

7. South College

South College's online AS in business administration provides a thorough introduction to accounting, economics, and financial principles that form the backbone of business success. Whether you're planning to enter the workforce immediately or continue toward a bachelor's degree, this program offers the foundational knowledge you need.

The completely online format works particularly well for students handling professional responsibilities and personal obligations. Previous college coursework can be applied toward your degree requirements, streamlining your educational journey.

• Estimated tuition cost: $397 per credit
• Financial aid: South College accepts the FAFSA and offers grants, scholarships, and military tuition assistance.
• Accreditation: SACSCOC

8. Franklin University

Franklin University offers a fully online AS in business administration that covers finance-focused subjects including accounting, microeconomics, and financial management.

Designed with working adults in mind, the program offers both six- and 12-week course options so you can choose the pace that matches your availability. You can apply up to 44 credits toward the 60-credit degree requirement, significantly shortening your completion timeline. An additional advantage is the seamless pathway this program creates to Franklin's bachelor's degree options.

• Estimated tuition cost: $398 per credit
• Financial aid: Franklin University accepts the FAFSA and offers grants, scholarships, employer tuition assistance, and military aid.
• Accreditation: HLC

9. University of Phoenix

The University of Phoenix delivers an online AA centered on business fundamentals, incorporating essential finance coursework in accounting, economics, and financial analysis.

Created for adult learners with demanding schedules, the program features accelerated five-week classes that let you concentrate on one subject at a time. Transfer students can apply up to 45 previous credits toward their degree, streamlining the path to graduation and making it easier to continue into a bachelor's program in business or finance.

• Estimated tuition cost: $398 per credit
• Financial aid: The University of Phoenix accepts the FAFSA and offers scholarships and military tuition assistance.
• Accreditation: HLC

10. Wilmington University

Wilmington University's online AS in business management encompasses finance, accounting, economics, and organizational behavior to deliver comprehensive business education.

The program's asynchronous course structure allows you to study around your work and personal commitments. Students can transfer up to 45 credits toward degree completion, accelerating their progress. Additionally, this associate degree creates a smooth pathway to Wilmington's bachelor's programs in business or finance for those ready to advance their education further.

• Estimated tuition cost: $429 per credit
• Financial aid: Wilmington University accepts the FAFSA and offers scholarships, military benefits, and employer discounts.
• Accreditation: Middle States Commission on Higher Education (MSCHE)

How We Rank Schools

We chose these programs based on what matters most to students: affordability, flexibility, and overall value. Each school offers a credible, accredited path to earning your finance degree online without the high cost.

• Accreditation: All schools are institutionally accredited by agencies recognized by the U.S. Department of Education, ensuring academic quality and access to financial aid.
• Affordability: We focused on programs charging less than $400 per credit hour and gave special attention to schools that provide scholarships, grants, or benefits for military students.
• Program Reputation: Schools that support adult learners and their schedules, and provide clear pathways to finance careers or bachelor's degrees received added consideration.

How To Find an Affordable Online Finance Degree

Finding an affordable online finance degree starts with understanding how schools structure their tuition, offer financial aid, and accept transfer credits. Comparing these factors will allow you to choose a program that aligns with both your career goals and your budget.

• Compare tuition structures: Some schools charge by the credit, while others offer flat-rate pricing for online learners. Aim for programs under $400 per credit, like those featured in our list.
• Consider community colleges and nonprofits: Community colleges often provide the lowest in-state tuition, but many nonprofit and private institutions also offer competitive rates and flexible online formats.
• Apply for financial aid: Start by completing the FAFSA to determine your eligibility for federal grants, loans, and work-study opportunities.
• Explore school-based aid: Universities like Southern New Hampshire University and Champlain College Online offer scholarships, military tuition discounts, and credit for prior learning or professional experience.
• Check employer benefits: Your workplace may offer tuition assistance or have partnerships with specific schools that can reduce your out-of-pocket costs.
• Review transfer-credit policies: Institutions such as Franklin University and Wilmington University accept up to 45 transfer credits, which can shorten your path to graduation and lower overall costs.
• Look for military-friendly options: Choosing a nonprofit or military-supportive school with strong financial aid programs can help you complete your degree without unnecessary debt.

FAQs About Low-Cost Online Associate in Finance Degrees

If you're thinking about starting a finance degree, you likely have questions about the cost, workload, and career options. Below are answers to some common questions to help you decide if an affordable online associate degree in finance is the right fit for you.

Is an Online Finance Degree Worth It?

Yes, an online associate degree in finance represents a wise investment when you want an affordable, manageable path to a career in business or financial services. You'll develop practical skills in budgeting, financial analysis, and money management that open doors to entry-level positions or create a solid foundation for pursuing a bachelor's degree in finance or business later.

How Long Does It Take To Complete an Online Associate Degree in Finance?

Most students complete their degree in approximately two years when enrolled full-time. However, programs like those at SNHU or Franklin University feature accelerated terms and generous transfer credit policies that can shorten your timeline considerably. If you choose part-time study to balance work or family obligations, expect the process to extend to three years or longer.

What Can I Do With an Online Associate in Finance Degree?

This credential opens pathways to entry-level positions including bank teller, loan assistant, payroll clerk, or financial services representative. Many graduates also use their associate degree as a launching pad toward a bachelor's degree in finance, accounting, or business administration. An associate degree provides a practical entry point into the finance industry.

How Much Can I Make With an Online Associate Degree in Finance?

The starting median salary for roles typical to this degree is about $50,000 annually, varying based on your specific role and geographic location.

As you build experience or pursue additional education, you may become eligible for higher-paying opportunities in financial analysis, budget planning, or accounting. Completing a bachelor's degree can significantly enhance your long-term earning potential.

What Is the Easiest Finance Degree To Get?

An associate degree in finance is generally considered the most accessible option among finance credentials. These programs usually require about 60 credits and take two years to complete with full-time study.

The coursework focuses on foundational topics like budgeting, financial analysis, and basic economics, without diving into advanced math or complex theory. Online formats add to their convenience, making them especially appealing to adult learners or career changers who need a manageable path to enter the finance field.

Is a Finance Degree Harder Than an Accounting Degree?

The difficulty really depends on your personal strengths and interests. Finance programs explore a broad range of topics, including investment strategies, economic trends, and financial planning. Accounting, on the other hand, emphasizes strict rules, regulatory compliance, and highly detailed recordkeeping.

If you're more analytical and enjoy big-picture thinking, finance may feel easier and more engaging. However, if you prefer working with structured processes, precision, and numbers, accounting could be a better and potentially more straightforward fit.

Discover Online Finance Degrees

An online associate degree in finance can help you build practical business skills without the high cost. Explore accredited, affordable programs on Learn.org to find the right fit for your goals and budget.