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Personal loans Education loans

Education loans

Start growing your career.

Won’t affect your credit score

Canstar's most awarded Personal Loan (ever)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL
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Take control of your education

Focus on your future and leave the finances to us with a Harmoney education expenses loan.

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With most education expenses loans funded within 24 hours, you can start creating your own opportunities tomorrow.

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Stay in control by knowing in advance how much you can borrow and what your interest and repayments will look like.

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At Harmoney, our loans are unsecured which means you don’t need to provide an asset as collateral.

What our customers say

5.0 Highly recommended. Great service fantastic customer service new zealand
5.0 Absolutely incredible service !!! Well Done Harmony ….. Fantastic Company To Deal With. So quick, professional & on the ball … Many Thanks To You All ! new zealand
5.0 Fantastic customer service and support new zealand
5.0 Fantastic service, clear communication. Third loan with them and still very impressed. They made this process about 3x faster than three other loam companies I tried to work with. new zealand
5.0 Fantastic hassle free as always new zealand
5.0 always fantastic service and easy to use new zealand
5.0 Fantastic and quick new zealand
5.0 As always a fantastic service. new zealand
5.0 Fantastic new zealand
5.0 Fantastic, fast and easy. new zealand
5.0 Definitely recommend Harmoney. We have been a customer for a couple years now. The customer service is fantastic. new zealand
5.0 Absolutely fantastic company and I have recommended new zealand
5.0 Fantastic service and easy to do new zealand
5.0 Fantastic new zealand
5.0 Great Team! Fantastic communication and support throughout the entire process.

Couldn’t recommend it more A++
new zealand

Simple, 100% online

1. Get to know you

Provide us with some personal and financial details and let us know how much you need to borrow for your education loan.

2. Get your quote

You’ll receive an in-depth quote for your education expenses loan for your approval.

3. Get your money

Once you’ve accepted your quote and provided a few final details your money should be in your account within 24 hours.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 9.89%* p.a to 21.49% p.a.
  • Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* 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

Get a quick estimate of your interest rate and repayments on your study expenses loan with our quick loan calculator.

Common education loan questions

View more

Fast and fair education expenses loan

Remove unnecessary financial stress so you can focus on your education.

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A fair, personalised credit rate is created for you based on your personal credit assessment.

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100% ONLINE - 24/7

No meetings, no interviews, no need to leave the house. Every step can be completed online.

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We’re different from other lenders. If you are able to pay your loan early, we won’t charge you for it.

About education loans

One of the best things you can do for your future is to engage in education and training.

But it can be expensive. An education loan can help with the costs associated with education from fees and textbooks to transport and equipment. (It’s worth noting that unlike Government and other specific student loans - such as those offered by StudyLink - a personal loan can’t typically be used to cover living expenses.)

There are various factors you should consider before deciding on an education loan that’s right for you.

Secured education loan

A secured loan requires a personal asset to be offered as security, or collateral. In the case of a borrower not keeping up with payments the lender can repossess their items. This type of loan can offer a low interest rate but carries the risk of losing one’s assets.

Harmoney does not offer secured loans.

Unsecured education loan

In the case of an unsecured loan, security is not required, meaning your assets are safe and cannot be seized by the lender.

At Harmoney we only provide unsecured loans.

Student loan

If you’re studying an approved course run by an approved education provider, you may be eligible for a Government student loan in New Zealand. 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.

See a list of approved courses here.

Fixed or variable rate?

An important factor of any study loan is whether the interest rate is fixed or variable.

A fixed rate remains constant throughout the term of your loan, regardless of what is happening in the marketplace. You’ll always know what you’re paying. Whereas a variable interest rate will fluctuate, meaning it could go higher or lower than what you begin with, meaning your payments could change from month to month.

Education loans from Harmoney are always fixed rate, giving our borrowers confidence and certainty in their loan.

Focus on your future

Stop worrying today. Focus on the important stuff by applying for a study loan.

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We're real people and here if you need us

If you need help, just give us a call on 0800 427 666 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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Terms and conditions

1.Loan terms subject to availability.

2. Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.