Showing results for

Graduate Loans

Personal loans for

Competitive low rates from just 9.20% p.a. (comparison rate from 10.58% p.a.*)
Money can be in your account same-day.

2 *This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies. Comparison as of: 13/07/2023

An award-winning experience

Winner of Canstar's Innovation
Excellence Award 2022*

Winner of Canstar's Innovation Excellence Award 2022*

Estimate your

Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Awesome low
interest rates

We bet you'll be happy with our low rates.

Applying is a
piece of cake

Download the app
  • 1

    Easy online application with an outcome in as little as 60 minutes

  • 2

    Once approved, we’ll transfer money to your bank account in seconds

  • 3

    Download our app to manage your account and repayments with ease

Download the app

Ready to get

Won’t impact your credit score!
Won't impact your credit score!

How to Get Graduate Loans

You can get a graduate loan from a number of online lenders such as MoneyMe, if you wish to enrol in a university or vocational education program. With flexible eligibility criteria for Australian residents 18 years of age or older, graduate loans are more within reach than ever before. The process is fast and 100% online.

A loan alternative that moves your forward

For many students, graduate student loans are a necessity that can make the dream of getting a university degree come true. But until now, students have faced rising tuition costs and increasing living expenses that make planning the entire university experience less than enjoyable.

More than ever before, many Australian students will decide to forsake their university education due to financial constraints, and enter the workforce without that additional competitive edge.

Fortunately, one-size-fits-all graduate loans for student borrowers are a thing of the past.

Benefits of graduate loans – at any level

Being a student is no longer a disadvantage when it comes to locking in affordable finance to pay for your education. With flexible eligibility criteria and more options now available to you, it’s important to carefully consider the terms, fees and rates associated with graduate loans.

Better technology and credit assessment methodologies have made it possible to for new lenders like MoneyMe to develop graduate or even postgraduate loans specifically designed for students at any level with more flexible terms, lower fees and cheaper rates when paying course fees. Postgraduate student loans can be especially beneficial considering the higher loan costs associated with this higher level of education. And with MoneyMe you can even get rewarded for your positive repayment behavior – like you should be!

So what are you waiting for? Discover a graduate loan that’s right for you.

Apply now

Applying with MoneyMe is fast, simple and secure. Simply click on the "Apply Now” button, and follow the simple instructions.

Our customers

Graduate Loans

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

View more

Graduate Loan up to $50,000

If you’re heading back to the books or embarking on some further education for the first time, then you’re likely looking at some steep upcoming education costs. Tuition costs can regularly head into the tens of thousands of dollars in Australia, so often students will go looking for a graduate loan to help them cover the costs of their new education venture. The good news is that variable-rate personal loans like a graduate loan from MoneyMe are quick and easy to get approved for. We have a wholly online application process that takes customers just 5 minutes to complete.

What is a graduate loan?

A graduate loan is an education loan made for helping new and returning students pay for their tuition costs. You can get a graduate loan to help you pay for university or other further education providers. Often an education provider will extend discounts to students who are able to pay for their full tuition up front rather than in instalments. This helps the provider to accurately forecast for the course numbers so it’s in their interest to offer discounts or savings when students can pay for everything at once. A graduate loan is a great way of doing that. You apply for the funds that you need and, once approved, those funds are transferred directly into your bank account. It’s quick and easy finance.

MoneyMe offers a range of variable rate personal loans, including graduate loans. Our easy loans are fast and require very little in the way of paperwork. In fact, we have developed a low doc personal loan application that takes customers just 5 minutes to complete and submit. When you apply for any of our credit products online and during business hours you can usually get your approval within the same hour. If your loan offer is what you’re looking for and you have digitally signed your loan contract, then your new funds are transferred immediately. This often means that the funds are made available in your bank account the same day as you applied for them. When we say same day loans we actually mean it.

What paperwork is needed for a graduate loan?

If a graduate loan is what you’re looking for then you’ll need just a couple of forms of identification to complete your online application with us. We will ask you some basic finance questions like what your current salary is, what living expenses you have and whether you have any other debt. It’s important to be as honest as possible when completing your application. Don’t worry if your credit history isn’t quite as good as it could have been. We understand and we know that a credit file isn’t a person’s complete financial picture. 

Personal loan eligibility criteria from MoneyMe ask that you are at least 18 years of age, currently employed and that and a permanent resident in Australia. If you meet these criteria, then you are 5 minutes away from submitting your new application online.

Are graduate loans subsidised?

The Australian Tax Office clearly states what can be claimed when it comes time to put in your tax return and there is availability to claim education costs that directly relate to your current employment. Check out the ATO website for further details about what can and can’t be claimed.

It’s also a good idea to do a quick personal loans comparison Australia before you settle on a credit provider. Ensure that you double check things like fees and charges as well as the advertised interest rate as money lenders often add on hidden costs. With MoneyMe, there are no hidden costs and there are no early termination fees if you want to pay out your loan balance ahead of schedule.

What is the maximum loan amount for graduate students?

MoneyMe offers customers a range of express loans from $5,000 to $50,000 so that means you’re covered for small loans for short courses as well as long term loans for bigger graduate degrees like a Masters or your PhD. 

We also offer customers a revolving line of credit with our Freestyle virtual Mastercard®. This works just like a credit card but it’s so much better. with the added benefit that it doesn’t take up space in your wallet. Instead, it lives on your smartphone. Use it in-store wherever Tap n Pay is accepted or for online shopping. Customers using their Freestyle account enjoy 55 days interest-free on purchases made so that means when you repay your credit balance within those 55 days, you’re essentially using an interest free credit card. You can get an online credit card from MoneyMe in the same amount of time it takes to fill out an application for our instant loans

The great thing about the Freestyle account is that once your credit funds are repaid, they automatically become available for use again. So, if you’re tossing up a personal loan vs credit card option, remember that there is no personal loan redraw facility. Even after you have repaid part of your loan amount you are not able to redraw those funds whereas with the Freestyle account you can.

Ready to apply for a graduate loan? Get started now and submit your application in just 5 minutes.

Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


Ready to get

Won’t impact your credit score!
Won't impact your credit score!

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied