Looking for a flexible, responsible, fixed-rate education loan?
Quick, easy education and study loans chosen by parents and higher education students across Australia.
- Flexibility. $500-$10,000 over 3-36 months.
- Freedom. For any education expenses.
- Affordability. Personalised terms. Low costs.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked education loan questions
Education loans (also known as study or student loans) are just personal loans that you can use to cover or spread the cost of any education expenses, for yourself, your kids or a family member.
We have customers across Australia who take out education and study loans for everything, from regular education and student fees to unexpected expenses.
- School and higher education fees
- Student uniforms and equipment
- Education and training course fees
- Educational excursions and trips
- Computer and technology expenses
- General education, school and student expenses
What’s more, applying for an education or study loan is quick and easy. See for yourself. Apply online for an education loan in minutes.
You can apply for an education or study loan in minutes. Online. Anytime. Wherever you are in Australia.
- Application. It’s quick and easy. You can apply online for an education loan of $500-$10,000, using our free and secure bank statement service to fast-track your application. Then, track the progress of your application via our customer portal.
- Assessment. Our smart system will give you a decision within minutes and, if you get conditional approval, you can accept our preliminary offer via SMS. Our friendly team will then contact you on the phone to verify your details. No printing, signing or scanning.
- Transfer. If your application for an education or study loan is formally approved, we’ll transfer the cash straight into your account, usually overnight.
It really is that quick and simple. But don’t take our word for it. See for yourself why parents and higher education students across Australia choose our education and study loans. Apply online.
If you’re at least 18 years of age and a permanent resident in Australia, with regular paid employment, then you can apply for an education loan of $500-$10,000.
We assess each application on its merits and, assuming your loan application is approved, we’ll personalise your loan rate and terms to maximise your borrowing power and minimise your borrowing costs. We’ll discuss this with you at the formal application stage, ensuring you understand the cost of your repayments and never borrow more than you can afford. It’s all part of our commitment as a responsible lender.
Worried about your bad credit rating? We’ve helped customers across Australia who have bad credit scores get personal loans and turn their bad credit history around. Call our friendly team on 1300 FAIR GO or contact us via live chat to find out more about our bad credit loans.
You can apply for an education or study loan of anything from $500 to $10,000. What’s more, you can apply online for your education loan and get a decision from our smart system in a matter of minutes.
It’s quick, easy and secure, which is why customers across Australia come to us for education and study loans time and again. But if you hit any snags or have any questions, we’re here to help. Contact our friendly team on 1300 FAIR GO or via live chat.
As one of Australia’s largest non-bank personal loan providers, we’re a responsible lender. We want to help you get the cash you need to move forward, but we’re also looking out for your best interests. There’s no point taking out a loan you can’t afford today if it will cause you problems tomorrow.
That’s why we personalise our loans, with fixed rates and flexible terms of 3-36 months. No hidden fees. No nasty surprises down the track. And no early payout fees – if you can pay off your loan sooner rather than later, you can save yourself some money.
It’s all part of our commitment to minimise your borrowing costs and ensure you don’t put yourself under unnecessary financial stress.
Personalised education loans for students across Australia.
At Fair Go, we’re here to help our customers throughout Australia move forward. That’s why the education and study loans we provide for parents and higher education students mean so much to us – they’re here to help you and your loved ones broaden your horizons and get on in life.
With fixed fees and flexible repayment terms that we personalise to minimise your borrowing costs, we’ve used all our finance and tech know-how to make applying for an education loan as quick, easy, secure and affordable as possible.
And if you come back for another loan – whether to take your education or study further, or just to move forward in life – we can reward you with even better rates and discounted fees.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
Behind Australia’s students all the way.
As one of the largest non-bank personal loan lenders in Australia, we’re here to help you get on in life. And education is where it all starts. So, whatever you or your loved ones study, allow us to help you move forward.
Apply Now!
Are you eligible to apply?
- I am 18 years or older
- I have not entered into bankruptcy or part 9 agreement within the last 12 months
- I am willing to provide my Bank Statements online
Please note: Bank statements can only be submitted via our secure online service.
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.