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Personal loans Education loans

Education loan

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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.

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

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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.

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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 Very quick and efficient. Happy with the experience australia
5.0 Thank you so much Harmoney
Very happy with the service and the quick no fuss application process
Love you’s
Kindest regards
Justin Ropiha
5.0 Easy and glad you have all my information australia
5.0 Very happy with the team at Harmoney, they are very helpful. australia
5.0 Happy with the reply once the process getting started. australia
5.0 Very easy process and really happy with the service australia
5.0 Very happy with the whole process. australia
5.0 Harmoney is a excellent service could not be happier australia
5.0 Very easy process
Very happy with harmony finance and would definitely recommend
5.0 Nothing to say just happy australia
5.0 It’s been great, didn’t get the amount I wanted to buy an ss commodore but I’m still happy australia
5.0 Happy customer australia
5.0 Really quick response with under 24hrs, happy with the services australia
5.0 Quick to respond. Very happy australia
5.0 Thanks for helping my family during times of need, Merry Christmas and Happy New Year 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

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 5.66%* to 20.07% (comparison rate 6.45%)
  • Unsecured fixed rates from 5.76%² to 24.03% (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

*If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

Quick study loan estimate

Try our loan calculator for a quick estimate of the interest rate and repayments on your study expenses loan.

Common education loan questions

View more

Fast and fair education expenses loan

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

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

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100% ONLINE – 24/7

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

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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.

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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.

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