Your ambitions deserve support. Harborlight Trust education loans cover tuition, accommodation, travel and study materials for courses at home and abroad, with attractive rates and repayment that starts after your studies.
8.75%
Rate from (p.a.)
Up to $250k
Loan amount
15 yrs
Max tenure
Direct
Disbursal to institution
Choose your education loan
Most Popular
Domestic Studies
Cover tuition and living costs for courses within the country.
8.75%
Rate from (p.a.)
Apply Now
Overseas Studies
Finance tuition, travel and accommodation abroad.
9.50%
Rate from (p.a.)
Apply Now
Skill & Certification
Short-term funding for certifications and skill programs.
10.25%
Rate from (p.a.)
Apply Now
High Value Loans
Up to $250,000 for overseas studies.
Repay After Study
EMIs start after your course completes.
Quick Disbursal
Funds sent directly to your institution.
Transparent Terms
Clear fees, no hidden charges.
Rates & terms
Detail Value
Rate of interest 8.75% - 10.75% p.a. Loan amount $2,000 - $250,000 Tenure Up to 180 months (15 years) Processing fee Up to 1% of loan amount Prepayment Nil Collateral Not required up to $40,000 Moratorium Repayment starts 6 months after course
Eligibility
Documents needed
How to apply in four steps
1
Choose your course
Confirm your admission at an eligible institution.
2
Apply online
Upload admission and identity documents.
3
Get approved
Decision within a few working days.
4
Funds disbursed
Paid directly to your institution.
Frequently asked questions
How much can I borrow?
Up to $250,000 for overseas studies and $100,000 for domestic courses, based on the institution and course.
When do repayments start?
Repayments begin six months after your course is completed, with a maximum tenure of 15 years.
Is collateral required?
Loans up to $40,000 need no collateral. Larger loans may require a guarantor or security.
Fund your future
Apply for an education loan today and start your journey.
