# Harmoney Education Expenses — Australia

Invest in your education

The course, certification, or training programme you want is available now, but the upfront cost is a barrier. Government student loans may not cover short courses, professional development, or private training.

You are enrolled and studying. One fixed repayment that you planned before you started, with a clear end date.

A Harmoney personal loan can cover tuition, course fees, equipment, textbooks, or living expenses while you study. Borrow $2,000 to $50,000 with a fixed rate and $0 early repayment fees. Unlike government student loans, Harmoney loans are not income-contingent — your repayments are fixed from day one.

Harmoney holds Australian Credit Licence 474726 and is a member of Australian Financial Complaints Authority.

Typical amount for this purpose: $2,000 – $50,000 — guidance, not a product limit; the loan amount range below applies.

## How education expenses finance works

- Check your rate: A soft inquiry in as little as 3 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Funding your education

**Check government options first.** HECS-HELP (AU) and Student Allowance (NZ) may cover some costs at no or low interest. A personal loan is best for expenses those programmes do not cover — short courses, professional certifications, equipment, or living costs.

**Consider the return on investment.** Will the qualification increase your earning potential enough to cover the loan repayments? If the course leads to a specific career outcome, research typical salaries before committing.

**Borrow only what you need.** Cover tuition and essential expenses. Avoid borrowing for discretionary spending during study.

## Personal Loan (unsecured)

- Interest rate: 5.76% p.a. – 24.03% p.a. (fixed)
- Comparison rate: 5.76% – 24.98% p.a. (NCCP Regulation 100, $30,000 over 5 years)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $275 (loans up to and including $4,999) or $575 (loans of $5,000 and over)
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Australia Pty Ltd (ACL 474726, AFSL 474726). Dispute resolution: Australian Financial Complaints Authority, membership 43816.

Comparison rate warning: the comparison rate applies only to the example given (NCCP Regulation 100). Different amounts and terms result in different comparison rates.

The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.