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Education loans

Your future can start today

Personalised rates from 6.99%¹

   
Won't affect your credit score

We know dream jobs are better in real life

That's why we're here to help you invest in your future

PLAN AHEAD

No hidden costs. Be clear exactly how much your repayments are and when your loan will be paid off.

HELP OTHERS

Get an education loan for yourself or help set a family member up for a bright future.

ACT NOW

An education loan means there's no need to put off till tomorrow what you can start achieving today. 

Simple, 100% online

Step 1. Get to know you

Tell us about your loan, then provide us with some details about yourself and your finances.

Step 2. Get your quote

We provide your detailed quote with your interest rate, borrowing limit and repayments.

Step 3. Get your money

Accept your quote and provide some final details. Most loans listed in the marketplace are fully-funded within 24 hours.

What we offer

$2K - $70K
Loan limits
3 or 5 years
Loan terms
$200 or $450
Establishment fee
$0
Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 29.99% p.a.¹ 
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $200 for loans under $5,000 ²
  • Establishment fee of $450 for loans $5,000 and over ²

Find out more about our rates and fees

Get the loan that works for you

Spend more time living and less time figuring out how to pay for the things you need

PERSONALISED RATES

Interest rates are based on your individual credit assessment, not one-size-fits-all.

GET YOUR MONEY FAST

Most loans listed in the marketplace are fully funded within 24 hours.

100% ONLINE – 24/7

No queues and no need for any awkward face-to-face meetings. 

Get started with Harmoney today

Thousands of clever Kiwis are switching to Harmoney to achieve their dreams.

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to live chat and one of our more than 30 specialists will be there to lend a hand.

    Other ways to contact us    Visit our help centre

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% 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.

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 29.99% p.a. on 36 to 60 month terms, with no early repayment penalties.