EasyShiksha × UniCreds education loans
Education loan for Australia 
Get matched with lenders that fund students heading to Australia, plus a sanction letter you can use for your visa. Free help from UniCreds loan experts.
- From 8.33% p.a.*
- Sanction in 48 hours*
- No-collateral options
- Save up to ₹15 lakh*
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20,000+ students have funded their studies with UniCreds
Check your Australia loan eligibility
Takes 30 seconds. A loan expert calls you back.
Private & secure
No fee, ever
Call back in 1 working day
Your Australia education loan, explained
Australian master’s programmes are usually 1.5–2 years, so plan your loan for the full course duration, not just the first year.
When to apply
Australia has intakes in February (main) and July. Start your loan as soon as you have your admit, so the sanction letter is ready before your visa appointment.
Showing funds for your visa
You need a Confirmation of Enrolment (CoE) and evidence of financial capacity for the Subclass 500 student visa. A loan sanction letter is commonly used.
What lenders look at
Your university and course, your grades and test scores, and your co-applicant’s income and credit score. Popular courses funded for Australia include Master of IT, Engineering, Nursing, Accounting, Business Analytics, Project Management.
Studying in Australia
Indicative yearly costs for Indian students
- Tuition
- A$25,000 – 50,000 per year
- Living expenses
- Set by the visa financial-capacity rule (check current Home Affairs figure)
- Students usually borrow
- ₹25 – 60 Lakh
Costs vary by university, city and course.
Choose from leading lenders
Banks, NBFCs and international lenders, with secured and collateral-free loans. Tap a lender to see its rates, limits and eligibility.
*Starting rates as published by UniCreds. Your rate depends on your profile, course and lender. Compare all lenders
Form to funding in 5 steps
100% digital, with a real person helping you the whole way.
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Share your plans
Where, what and when you want to study, and how much you need.
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Chat with an expert
A UniCreds specialist calls and explains your options.
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Upload documents
All online from home. No branch visits.
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Get the best rate
Your expert negotiates with lenders for you.
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Get sanctioned
Sanction letter in as little as 48 hours*.
Australia education loan FAQs
Is an education loan accepted as financial capacity for an Australian visa?
Yes, loans from recognised financial institutions are an accepted form of evidence for the student visa.
Can I get an Australia education loan without collateral?
Yes, for many universities and courses, subject to the lender’s assessment of you and your co-applicant.
Does the loan cover the full 2-year course?
Lenders can sanction the full course cost, and disburse in tranches each semester or year.
When do I need my loan for the February intake?
Aim for a sanction by October–November so the visa process is not delayed.
Compare other countries
Costs, intakes and visa money rules change by country. Pick yours for a quick guide.
- USA Intakes: Fall (Aug–Sep) Loan guide
- UK Intakes: September (main) Loan guide
- Canada Intakes: September (main) Loan guide
- Germany Intakes: Winter semester (Oct) Loan guide
- Ireland Intakes: September (main) Loan guide
- France Intakes: September (main) Loan guide
- New Zealand Intakes: February (main) Loan guide
Ready for Australia? Let's get you funded.
Check your eligibility in 30 seconds. A loan expert calls you back within one working day.
*Interest rates, sanction times, savings, loan amounts, fees and other terms are indicative, as published by UniCreds, and depend on the lender and on the student's and co-applicant's profile, course and country. Education loans are provided by banks and NBFCs through UniCreds Private Limited. EasyShiksha (EdSpectra Global Private Limited) refers students to UniCreds and does not lend money or guarantee any loan. Lender names and logos belong to their owners. Cost figures are approximate.