Education Loans

main computer

100% online
99% funded in 24hrs
Rates from 9.99%
Up to $35k unsecured

Education Loans

Education Loans

100% online
Rates from 9.99%
Up to $35k unsecured
99% of loans funded in 24 hours

Harmoney is New Zealand's leading Peer-to-Peer money Marketplace, where everyday people lend money to other everyday people.

Why get your education personal loan through Harmoney?


100% online application.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.


Rates from 9.99%.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Up to $35,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

How to Apply

It’s simple. If you’re planning to further your education, or help your kids further theirs, a education loan through Harmoney could be a great option. All Harmoney loans have personalised interest rates and no early repayment penalties, which could save you both time and money. Plus we only offer unsecured loans so you won’t have to put your house or car on the line.

Education Loan Calculator

Starting your application is simple with our handy loan calculator. Get an indication of what your repayments could be, then apply for $1,000 to $35,000 and find out how much you could be approved to borrow, and what rate you could get. Use the calculator.

Reasons for Getting an Education Loan

When it comes to careers, we all know how important a good education is. If you (or your kids) are thinking of taking up some professional development, whether it’s undergraduate, postgraduate or otherwise, an education loan through Harmoney could help remove some of the stress. Harmoney can provide student loans, or education loans for parents to help cover course fees and course related costs.

Peer-to-peer Lending

Want a better way to borrow money? Here it is. Peer-to-peer lending is changing the way the world borrows and invests by connecting people through online marketplaces. We've brought it to NZ with our intuitive, 100% online process. Get an education loan that's funded by Kiwis, and enjoy a better experience. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Education Loan FAQs

What are the interest rates for a loan through Harmoney?

All our personal loans have fixed personalised interest rates, set based on the risk grade assigned to each Borrower during their application. You can find out more about what interest rate could apply to you on our Interest Rates and Fees page.

Do you provide education loans for international students?

Harmoney doesn’t provide education loans for international students. To be eligible to apply for a personal loan through Harmoney, you must be a New Zealand resident with a valid NZ passport or driver licence - and if you’re a NZ resident, you won’t be an international student.

How long do I have to pay off my loan?

When you apply for a loan through Harmoney, you can choose a 36 or 60 month loan term. As standard, all loans are set to standard monthly repayments, but we can usually arrange a more frequent repayment schedule to suit you. But with no early repayment penalties, you get the freedom to increase your regular repayment amounts or make lump sum payments without any additional fees, and pay your loan off faster.

Is there a difference between an education loan and a student loan?

Interest-free student loans are available from Study Link, a service run by the NZ Ministry of Social Development. If you meet Study Link’s eligibility requirements, it’s obviously a good choice.

If you don’t meet the requirements for a student loan from Study Link - whether it’s because you’re the parent of a student, because you’re studying part time, or because you don’t meet the requirements for course related costs, then an education loan through Harmoney’s peer to peer lending platform could work for you.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

*The Legal Stuff

Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion.