1024x520 Education 1x
Personal loans Education loans

Education loan

Start growing your career.

Our latest awards
MostInnovativeCompanies Logo RGB Primary v2
Finder Award Highly Commended RGB
Best Excellent Credit Personal Loan 8
Frame 149137

Take control of your future with an education loan

An education expenses loan breaks down the barriers to the qualifications you need. Now you just need to study.

Time icon v12
NO DELAYS

Education expenses loans on Harmoney are normally funded within 24 hours, so you won’t have to worry about missing deadlines.

Money fast icon v15
NO SURPRISES

When you’re approved for a study expenses loan, you’ll know exactly how much you can borrow and budget what you need to pay.

Unsecured icon v10
REDUCE RISK

You don’t need to risk your home, car or other asset to be approved for a study loan on Harmoney. All our loans are unsecured.

What our customers say

5.0 Have been very easy to deal with happy with previous service australia
5.0 Harmony have always being good to me so I have no problem with being a happy customer australia
5.0 Very fast and I'm very happy with the service provided. Thankyou. NSW, australia
5.0 Happy dealing with Harmoney you make life a lot easier australia
5.0 So glad for your help & God Bless to all who are involved to make it happen. So satisfied. australia
5.0 Very easy to apply, very friendly customer care team, happy to recommend to my family and friends australia
5.0 Saved me money. Me happy australia
5.0 I’ve been a customer of Harmoney awhile and I’m so happy with the service they give. australia
5.0 I couldn't be happier. Fast and friendly with open communication along the way australia
5.0 Very happy with your service. australia
5.0 Very happy with the service australia
5.0 Great, helpful and quick service. Great rates, very happy! australia
5.0 Always helpful and very attentive. Very happy with Harmoney australia
5.0 Easy to apply, fast service always happy to help in case of financial misfortune as long as they are kept in the loop. Great loan company! australia
5.0 Quick and easy very happy australia

Simple, 100% online

Step 1. Apply

Let us know how much you need to borrow and provide some details about yourself and your finances.

Step 2. Get your quote

We’ll send you a detailed quote for your education expenses loan for you to approve.

Step 3. Get your money

Provide some last details after accepting your quote and you should get your money within 24 hours.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms
$275 or $575

Establishment fee
$0

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Fixed rates from 5.76%² (comparison rate 6.55%³)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ⁴
  • Establishment fee of $575 for loans $5,000and over ⁴
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Fast and fair education expenses loan

With fewer financial worries, you can focus on getting your qualification.

Personalised rates icon v26
PERSONALISED RATE

Pay a fair interest rate that’s calculated based on your personal credit assessment.

100 online icon v15
100% ONLINE – 24/7

No queues, no face-to-face meetings, your loan is fully online.

Money fast icon v16
NO EARLY REPAYMENT PENALTY

Unlike most lenders, we don’t charge a fee if you pay back your loan early.

About education loans

Education and training can be a great investment in your future, but often an expensive one.

An education loan can help to cover the costs of studying, as well as covering your living costs if studying is impacting on your regular employment. Here are some of the main points to consider when you’re comparing education expenses loans from different providers.

Unsecured education loan

All Harmoney personal loans are unsecured, including education expenses loans. This means we don’t need you to put forward an asset as security for the loan - putting those assets at risk.

Secured education loan

Some loan providers offer secured personal loans. While these may have a lower interest rate, they also involve more risk, as a high-value asset is required as security for the loan. If you can’t repay your loan, the loan provider has the right to sell your asset to recover their lost money. Harmoney does not offer these types of loans.

Student loan

If you’re studying an approved course run by an approved education provider, you may be eligible for a student loan. These are designed to cover course fees, course-related costs and living costs. Interest payments are generally lower than for a personal loan, but so are borrowing limits.

Fixed or variable rate?

Whatever type of study loan you choose, another important detail to compare is whether the interest rate is variable or fixed.

A variable rate can go up or down in line with the market base rate, which can make this option more of a gamble. A fixed rate stays the same, so you’ll always know how much your repayments will be.

All Harmoney personal loans have a fixed interest rate to give our borrowers more certainty. Learn more about our interest rates.

Focus on your future

Get a quote for a study loan so you can concentrate on what’s important.

Loans of all kinds

Harmoney can help you achieve your goals.

Education icon v11
EDUCATION COSTS

If you’re furthering your education, a study loan from Harmoney can help to support you. Tell us how much you need to borrow.

Find out more

Debt con icon v20
DEBT CONSOLIDATION

Simplify debt repayment by combining your existing loans, credit cards and other debt into a single loan with a new interest rate.

Find out more

Car icon v21
CAR LOANS

Whether you’re buying your first car or upgrading, an online vehicle loan gives you the cash you need to drive out of the dealership.

Find out more

Holiday icon v18
HOLIDAY LOANS

Travel can be expensive, but a holiday loan can make it more manageable. Borrow the money you need now and pay it back after your trip.

Find out more

Business icon v6
BUSINESS LOANS

From startup costs and buying equipment to tax payments, Harmoney’s business loans are designed for the needs of small businesses.

Find out more

Medical icon v21
MEDICAL LOANS

If you need assistance paying for your health care or someone else’s, a medical expenses loan from Harmoney could be a helping hand.

Find out more

Renovation icon v20
RENOVATION LOANS

Renovations can be a great investment in your home’s future, as well as improving the living experience while you’re still there.

Find out more

Wedding icon v18
WEDDING LOANS

An online loan can help to make your wedding dream a reality. Find out if you qualify for a wedding loan and how much you can borrow.

Find out more

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

Customer service m wide min v3