Pay As You Learn
Study Now. Pay Later.
No stress. No lump sums. Just you and your goals.
Fact:
- 56% of international students in Australia report financial stress.
- 70% of international students are gainfully employed but cannot access loans from traditional lenders
Solution:
- PAYL breaks big payments into smaller, more manageable fortnightly payments that are flexible and student-first.
- Our loan are flexible, stress-free and are built around a student’s repayment capacity
Benefits
Loan amounts up to $15,000
Repay over 3–12 months
Payments match your income cycle
Discounts for early repayment
No collateral required
No credit history needed
Designed around your COE and current capacity to repay
Eligibility
Available to onshore students only
Character references (from employers, educators, or community leaders)
Valid Student Visa
Valid Confirmation of Enrolment (COE)
Local Australian bank account
Demonstrated capacity to repay (e.g. casual income, family support)
How PAYL Works
Step by Step
Our Delivery Partners
Our partners ensure we drive growth and deliver on our promise to provide financial solutions that meet the needs of our customers
PAYL Partner Benefits
Education Providers
- Lower Deferrals: Reduce delays, dropouts, withdrawals and student stress.
Investors
- Scalable Market: 250,000+ annual enrolments with high unmet demand.
- Mission-Aligned Impact: Support education with real social and economic outcomes.
Community Groups
Diaspora & Cultural Organisations
- Empowerment Through Education: support migrant youths to achieve educational goals.
- Dignified Financial Support: Enables responsible sponsorship without informal debt.
- Community Success: Strengthens community pride through successful community members.