Education opens doors.
Don’t let money hold you back.

Education opens doors.
Don’t let money hold you back.

Education opens doors.
Don’t let money hold you back.

Take your career to the next level - or on a completely different path - with a loan funded by Harmoney’s Investors.

100% online. No obligation to proceed.

Why get your education loan through Harmoney?


100% online application.

Our revolutionary marketplace is totally online, so you can complete your application whenever suits you best.


Personalised rates.

From 6.99% p.a. (7.69% p.a. comparison rate)*. You’re unique, and so is your interest rate. One size doesn’t fit all, so we personalise your loan to suit you.


Borrow $5K to $70K, unsecured on 36 or 60 month terms.

All loans through our marketplace are unsecured, so there’s no ball and chain and no need to offer your home or car as security.

Online Education Loans

An education loan funded by Harmoney’s Investors could make a massive difference to your, or your child’s, studies. You could use the funds to sign up for that course you’re interested in, or to buy all the material you need. Our 100% online application process makes it simple to get the finances sorted – it can take just a few minutes to get approved, and 95% of loans are funded within 24 hours.

Education Loan Calculator

Becoming better educated is a noble but expensive pursuit. Our loan calculator gives a quick indication of what your repayments could be on an education loan between $5,000 – $70,000, on terms of either 36 or 60 months. Looking for a firm quote? Simply fill in our online application, and if you’re approved, we’ll let you know how much you can borrow and the rate applicable to you. Looking to pay off your loan sooner? With no early repayment penalties, you get the freedom to pay your loan off early. Use the calculator.

Learn more about Harmoney

Harmoney is Australia’s newest licensed marketplace lender that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Education Loan FAQs

Why should I get an education loan?

It’s no secret that a good education can be a stepping stone to a great career. Whether you’re hoping to improve things for yourself or for your kids, having a course under your belt can make all the difference.

Education has become an expensive business – from initial sign up fees through to the materials needed for your study. A loan through Harmoney’s marketplace could help take the financial stress out of the equation.

We know you’ve got important things on your mind, so we make applying for an education loan simple. Our application process is 100% online, and you can get a result in minutes. We’ll assess your application, and if you’re successful you’ll be told how much you’re eligible to borrow and what your interest rate will be, with no obligation to continue.

What’s the difference between an education loan and a student loan?

Government assisted student loans are available from Study Assist, a service run by the Australian Government. If you meet Study Assist’s eligibility requirements, it’s obviously a good choice.

If you don’t meet the requirements for a student loan from Study Assist, then an education loan through Harmoney’s marketplace lending platform could work for you.

Can international students apply for an education loan?

Harmoney doesn’t provide education loans for international students. To be eligible to apply for a personal loan through Harmoney, you must be an Australian permanent resident or citizen, and if you are, you won’t be an international student.

What is marketplace lending?

Marketplace lending is a revolutionary way to borrow and invest. Harmoney’s Marketplace brings together Australians who want to take out a personal loan with Investors who are willing to fund that loan. Your application and financial status will be assessed by Harmoney, then it’s up to your fellow citizens to fund your loan. Because marketplace lending has a lower operational cost than traditional finance models, Borrowers and Investors can both get better rates. Plus, it’s all online, and quick, with 95% of loans on the marketplace fully funded within 24 hours. Find out more about marketplace lending.

What is Harmoney?

Harmoney is a licensed peer-to-peer lending marketplace that originated in New Zealand in 2014, and quickly became the largest and fastest growing peer-to-peer marketplace in Australasia. Like all good Kiwi innovations, we’ve crossed the ditch to call Australia home. Our Marketplace is revolutionising the Australian finance industry, connecting people who want to borrow money with those who wish to lend money. The whole process, from application to funding, is completely online and stress-free. With interest rates starting at 6.99% p.a. (7.69% p.a. comparison rate)* and no fees for early repayment, an education loan funded by Harmoney’s Investors could make taking your career to the next step easy. Read more about our team and company story.

Still have questions?

*The Legal Stuff

Comparison rate of 7.69% p.a. is based on an unsecured personal loan of $30,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan. Subject to approval. Credit criteria, fees, charges, terms and conditions apply. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. To apply for a personal loan through Harmoney, you must be an Australian citizen or permanent resident or a New Zealand citizen aged 18 years or older with a valid Australian driver licence or valid Australian or New Zealand passport or an overseas passport with a valid visa. You must have an acceptable credit record, as determined by Harmoney at its discretion.