Education opens doors

Apply online in minutes
Rates from 6.99% — 28.69% p.a.* (Comparison Rate 7.69% — 29.55% p.a.)*.
Or call 1300 042 766 (9am - 6pm)

*Comparison rate of 7.69% p.a. – 29.55% 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.

Online Education Loans.

An education loan could make a massive difference to you, 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.

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)
iphone8

Simple 100% online process

1.

How can we help?

Whatever it is is you want to make happen, we're here to help. If you need money for a holiday, let us know and we'll kick things off.

2.

Getting to know you and your finances

As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.

3.

Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.

4.

Getting funded

Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Trust and Security

trust-shield

$90 Million*

in funded loans.

83,000 members*

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

*Over 380,000 members and billion in funded loans across Australasia.

Harmoney is regulated by the Australian Securities and Investments Commission.

Harmoney Australia Limited ABN 12 604 342 823, holds Australian Credit Licence Number 474726 and Australian Financial Services Licence Number 474726.

Our rates and fees

An overview

Establishment fee
$500
Early termination fee
$0
Loan limits
$5K — $70K
Loan terms
3 or 5 year

You also need to know...

  • All loans are unsecured
  • Rates 6.99% — 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.*)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly

*Comparison rate of 7.69% p.a. – 29.55% 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.

Ready to begin?

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

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.

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’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.

What is Harmoney?

Harmoney provides a simple way to get a personal loan, online. We operate a 100% online automated personal loan lending platform. If you need help along the way, we have a customer support team just a phone call away.

Here when you need us.

Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of the other 30+ specialists.

Terms & Conditions

*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.) and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

Comparison rate of 7.69% p.a. – 29.55% 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.