Education Loans to Invest in Your Future
Need help covering course fees, textbooks, or study-related costs? An education loan can give you the support you need to focus on learning. Whether you’re starting a new career or advancing your skills, we’ll help you find a loan that fits your budget—simple, flexible, and on your terms.
Minutes to apply.
Approval subject to responsible lending inquiries.
Education Loan Calculator
Weekly Repayments
Monthly Repayments
Total Amount Repayable
The repayment amounts shown include Establishment and Introducer fees totalling $820. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender. For more about lender fees, click here.
Focus on Learning, Not the Bills
Education costs can add up quickly. An education loan helps cover costs, so you can focus on creating your future. Borrow from $3,000 with repayment terms designed to fit your schedule and budget.
Here’s how we make it happen:
- Find the right loan to match your education needs.
- Tailor repayments to suit your budget and study schedule.
- Get expert advice at every step to keep things simple and stress-free.
Total Transparency
We break everything down, so you know exactly what you’re paying for.
Your Perfect Fit
Fixed rates matched to you—no surprises, just steady, predictable repayments.
No Credit Impact
Apply without affecting your credit score, safeguarding your borrowing power.
Swift and Stress-Free
We take care of the details and keep things moving, so you can focus on your education.
Over 55,000 Kiwis have trusted us to help with their finance needs.
1 Get Started Online
Apply in just 3 minutes! A quick and simple way to find your ideal loan for medical expenses.
2 We Find the Ideal Match
Loan options handpicked for you—personalised to suit your study goals and budget.
3 Finance, Fast and Simple
Timing varies, but with all details provided, same-day approval is possible. Approval is subject to meeting lending criteria, and affordability test applies.
What our customers say
Education Loans Made Simple
What is an Education Loan?
An education loan helps cover the costs of studying or retraining—whether you’re upskilling or taking courses to support a career change. It gives you the financial breathing room to invest in your future and take the next step toward your goals.
What Can I Use an Education Loan For?
You can use an education loan for a range of study-related expenses—course fees, materials, or even things like a laptop. Whatever helps you focus on your studies, it’s likely that an education loan can help cover it.
How Do I Structure an Education Loan?
Our team is here to help. We’ll work with you to set up a loan that suits your needs, whether it’s flexible repayment terms or tailoring the loan to your budget. Together, we’ll find a plan that fits your situation.
Quick Spot Check?
Making smart money moves starts with asking the right questions. Browse our FAQs or chat with our team to get the clarity you need.
You can use an education loan to cover a wide range of study-related expenses, such as tuition fees, course materials, textbooks, etc. It’s also great for retraining or upskilling when planning a career change.
The amount you can borrow depends on what you can comfortably afford to repay. Factors like your income, expenses, and overall financial situation help determine what’s manageable for you.
Loan terms typically range from one to five years.
Interest rates vary based on factors like your credit profile and financial history. If you’ve got a strong credit record, you may be able to access a lower rate.
Current fixed interest rates range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender.
Education loans include an Establishment Fee and Introducer Fee, and may include ongoing account or other fees. It’s worth checking these details upfront to know exactly what to expect. You can view more about Lender Fees here, and how we are remunerated here.
Not necessarily. Options may be available for a range of credit histories, subject to lending criteria and responsible-lending (affordability) checks. Our advisers can assess your situation and outline suitable options and costs. Fees apply; rates depend on your profile, amount, term and security (if any).
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