Student Loans for Australia Made Simple
Easily finance your Australian bachelor’s degree with flexible UG student loans for 3–4 year programs.
How to Apply for a Student Loan For UG In Australia
To avoid delays or last-minute rejections, plan your education loan early. These tips help you stay on track for your Australia UG admission.
- Apply 3–5 months before your intake
- Choose CRICOS-registered Australian universities
- Prepare admission and KYC documents early
- Compare interest rates and loan terms
- Clarify repayment clauses during the moratorium
- Clarify repayment clauses during the moratorium
Understand the Total Cost
Planning to study in Australia? Expect an overall cost of ₹75–95 lakhs for your full undergraduate program, including tuition, living, and insurance.
Category
Tuition Fees
Rent (Shared Apt.)
Meals & Groceries
Transportation
Books & Supplies
Health Insurance
Personal / Misc.
Visa & SEVIS Fees
Airfare (RT India-USA)
Sydney & Melbourne (INR / year)
₹16,80,000 – ₹26,88,000
₹10,77,400 – ₹16,01,600
₹87,400 – ₹1,31,000
₹39,200 – ₹78,400
₹2,62,100 – ₹3,49,400
₹89,600 (flat fee)
₹27,300 – ₹52,100
₹1,74,700 – ₹3,22,600
₹40,300 – ₹60,500
Other Cities (INR / year)
₹12,32,000 – ₹21,28,000
₹8,73,600 – ₹13,10,400
₹43,700 – ₹87,400
₹34,700 – ₹67,200
₹1,74,700 – ₹2,91,200
₹89,600 (flat fee)
₹27,300 – ₹52,100
₹1,39,800 – ₹2,79,600
₹33,600 – ₹50,400
Explore Top Lenders for Australia
Get education loans from trusted private lenders and banks that support Australian UG programs for Indian students.
Bank Name
Loan Amount
Interest Rate
Processing Time
Processing Fee
Upto 1.5Cr
10.25% - 12.5%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.75% - 1.25%
Upto 1.5Cr
10.5% - 13%
Secured: Upto 3 weeks Unsecured: Upto 1 week
0.75% - 1.25%
Upto 85L
11% - 12.75%
Upto 1 week
0.75% - 1.25%
Upto 1Cr
11.25% - 12.75%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.75% - 1.25%
Upto 75L
11% - 12.75%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.85% - 1%
Upto 1Cr
10.75% - 12.5%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.75% - 1%
Upto 3Cr
9.25% - 12.5%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.75% - 1%
Upto 1Cr
9.5% - 12.5%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.75% - 1%
Upto 75L
11.25% - 12.5%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.75% - 1%
Upto 1.5Cr
9.25% - 12.5%
Secured: Up to 3 weeks Unsecured: Up to 1 week
0.75% - 1%
Upto 1.5Cr
8.25% - 11%
Secured: Up to 3 weeks Unsecured: Up to 2 weeks
Secured: Rs. 20,000 Unsecured: Rs. 10,000
Upto $220k
8.47% - 13.5%
Automated process
500 USD + 4%
Upto $100k
9.5% & 9.99%
Up to 1 week
1% + 2%
Upto $100k
10.5% - 12.75%
Up to 1 week
200 USD + 2%
Upto $100k
9.99% - 14.99%
Automated process
6.50%
Why Choose Australia for Higher Education?
Explore how Australia combines affordability, post-study opportunities, and career-focused education for Indian undergraduate students.
Skill-Based Learning
Australian UG degrees are designed to align with real-world jobs and future-ready skills.
Work While You Study
International students can work part-time up to 48 hours per fortnight.
Stay Back Option
Get a post-study work visa of up to 4 years after graduation.
Scholarships & Grants
Universities and the government offer merit-based awards that can slash tuition fees.
Industry Placements
Many programs embed internships, giving hands-on experience with Australian employers.
Safe, Multicultural Society
Study in cities ranked among the world’s safest while enjoying vibrant communities.
UnderGraduate Student Loan Australia
200,000+ Indian students used GradRight to access low-interest Australian loans, making study abroad more affordable and manageable.
200,000+
students assisted
₹16,300 crore
loan requests processed
₹2,000 crore
disbursed in loans
Frequently Asked Questions
Can I fund a diploma plus undergraduate combo in Australia?
Yes, if both qualifications are part of a packaged course under the same university or institution. Many Indian students take a 1-year diploma followed by a 3-year bachelor’s. Your loan must mention the entire course structure during the application.
What is the eligibility for student loans to study in Australia?
You should be 18+, with at least 60% in Class 12. Admission to a CRICOS-approved institution is mandatory. A co-applicant is typically required, along with basic financial documents and a good credit profile (for secured loans).
Can I get a loan without collateral for Australia UG?
Yes. Several NBFCs and private lenders offer unsecured international student loans for Australia. The loan amount typically ranges between ₹7–40 lakhs, depending on your profile, university, and course. Interest rates are slightly higher than collateral-based loans.
How is the loan amount disbursed in Australia?
Loan disbursement is usually made directly to the university in AUD, covering tuition first. Some lenders also allow part of the loan to be transferred to your Australian bank account for living expenses, provided it’s visa-compliant.
