Study Now Pay Later

A ‘buy now pay later’ flexible finance solution for students so you get the quality education you deserve without the upfront cost.


Removing financial barriers to study

Study Now Pay Later helps you invest in your future so that you can reach that next career goal.

Available for courses valued between $500 and $20,000, this flexible, interest-free payment plan allows you to focus on studying first and paying later.

 As an Australian Credit Licence Holder (ACL 498589) and trusted by educational institutions nationwide, our Study Now Pay Later is a safe and simple service that opens quality education to more people.

how it works

Three easy steps to study now pay later


STEP 1: Submit your application

Submitting your application is fast and simple, and applications are processed within minutes.

STEP 2: Get Approval

Once approved, ZeeFi will pay us for your study on your behalf.

STEP 3: start studying

You’ll make payments until the end of the agreed term. You can reduce the term by paying more any time.


Here’s what you get


Stress Free funding

You get to study now and pay-off your course with fixed, interest free repayments over time and low monthly fees.



Repayments are evenly split into weekly, fortnightly or monthly payments, over 6, 12, 18, or 24 months.


Fast Approval

The application process is entirely online and approval can be granted quickly.


Are you eligible?

This pre-qualification checklist provides an indication of eligibility for Study Now Pay Later.

You are:


An Australian citizen or permanent resident


18 years of age or older 


Holder of an Australian bank account


Employed full or part-time for a minimum of six months prior to application


Able to demonstrate capacity to service the payment plan


Facing no foreseeable change to circumstances at time of application

What do you need to apply?

  • Medicare Card
  • Passport or Driving Licence
  • Employment Details
  • Income & Expenses Details
  • Bank Details

Frequently Asked Questions

Is ZeeFi regulated?

Yes, ZeeFi provide regulated consumer credit under an Australian Credit Licence 498589.  In doing so, they must comply with the National Consumer Protection Act 2006 (Cth), the National Credit Code and they must meet ASIC’s requirements in relation to consumer credit.

How much can I borrow?

Study Now Pay Later is available for course payments between $500 and $20,000.

How long does it take to process my application?

ZeeFi’s application process is entirely online and approval can be granted within a few minutes.

Will ZeeFi run a credit check on me?

Yes, as part of processing your application, ZeeFi will run a credit check to confirm eligibility.

What fees do I need to pay?

There is no set-up fees, but there is a minimal monthly account fee.  An arrears fee is also applicable if the account is overdue and a dishonour fee for each dishounoured payment.  Please refer to the Target market Determination document.

How do repayments work?

Repaying your plan is as easy as setting up a weekly, fortnightly or monthly direct debit.  If you miss a direct debit payment it is important to call ZeeFi ASAP to avoid any further fees.

Do I need to be employed?

Yes, you must have an income.  It can be part-time, full-time, casual or self-employed.

Do you send the money to me?

No, ZeeFi pays us directly.