Focus on education

Offer your parents the option to pay their school fees in a more convenient way. Avoid the costly and time-consuming administration that goes with managing school fee collections. Focus on your core business – educating and preparing students for a bright future.

Futurity Education Loans help parents pay school fees with ease

Helping parents pay private school fees with ease

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Ease & flexibility

Parents can use Futurity Education Loans to pay for any education related expenses listed on the school fee invoice.... They can apply easily online. Once approved can self-service 24/7 through the Futurity Education Loans Portal to pay school fees directly. Loan repayments are deducted from their nominated bank account and they have flexibility to update the loan repayment schedule if required.

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Long term solution

The Tuition Instalment Loan and Tuition In Advance Loan can be used again the following year. If needed parents can... also apply for a loan increase directly via the Futurity Education Loans Portal.

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No hidden fees

Parents can enjoy peace of mind with our simple and transparent fee structure.
Tuition Instalment Loan charges a... 3% annual Service Fee of the Loan Limit.
Tuition In Advance Loan charges a 6% annual Service Fee of the Loan draw down amount.
Neither product charges an application Fee.

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Good relationships

Our Education Loans allow you to offer parents alternate and flexible payment options without increasing your... administrative burden. This can help alleviate discomfort in the parent-school relationship, allowing you to continue focussing on delivering quality education outcomes.

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Conscious design

The needs of parents and educators are at the forefront of our product design. The flexibility and features of our... Loans helps:

• Parents pay school fees and other education related expenses annually in advance or by term/semester.
• You avoid costly and time-consuming administration involved in managing an internal payment plan.
• Your reconciliation processes as fee payments are made via BPAY®, so you can easily match payments back to a family’s account.

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Peace of mind

Minimise the cost and hassle of following up late payments. Parents who use our Education Loans have the funds... available to ensure school fees can be paid on time. Our loans increase the certainty of timely payment, giving you peace of mind.

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Our point of difference

We are an independent and mutually structured financial institution owned by our 75,000 members (rather than shareholders). Since our foundation almost 50 years ago, we have supported the education journey of over 570,000 children and returned over $3.35 billion in education benefits.

Provide payment flexibility without the admin burden

Partner with a financially sound and respected financial expert

Contact us to free up your school’s resources so you can focus on your core business - education.

Futurity Loans team

0490 377 768

Our Education Bond Range

Give your future families the start they need. Our Bonds can help them save and invest to ensure they are able to provide their children the best education possible.

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Resources available

Complete an enquiry form if you would like to request Education Loans material to insert on your parent resources webpage or in fee mail-outs.
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About Futurity

Get to know Futurity Investment Group and how we set ourselves apart from other financial services organisations.
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Frequently Asked Questions

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Which education costs do Futurity Education Loans cover?

Futurity Education Loans are designed specifically for private/independent school fees where the school does not offer a weekly, fortnightly or monthly instalment option.



They can be used to pay for any expense listed on a school invoice, including levies, music lessons, uniforms, school camps or electronic devices.



Parents can apply easily through our online application form and will hear back in two business days with a decision.

How much does it cost?

The Tuition Instalment Loan charges an annual Service Fee of 3% of approved loan limit.

The Tuition In Advance Loan charges an annual Service Fee of 6% of the approved draw down amount.

The fee is applied to the loan account on first drawdown and repaid as equal instalments over the loan term.

Neither product charges an Application Fee or ongoing interest.

How are school invoices paid?

Once a loan is approved, customers are provided with access to the Futurity Education Loans Portal where they can view their account details. In addition, customers can draw down and pay their school fees from their loan at any time via BPAY®.



Alternative payment methods can be arranged if the school does not accept BPAY®.

What is the Futurity Education Loans Portal?

It is a dedicated portal for parents. It gives them 24/7 access and control to manage their current loan, pay school invoices directly to the school, view their account balance, make changes to repayment schedule and also apply for a loan increase.

What happens if a parent misses their loan repayment?

Repayments to a Tuition Instalment Loan or Tuition In Advance Loan are made using a Direct Debit authority from a nominated bank account. Using the Futurity Education Loans Portal, customers can view their upcoming repayment schedule. If a scheduled repayment is not made, Futurity will contact the customer to arrange a reschedule of the missed repayment. A dishonour fee of $10 is charged to recover the cost of reprocessing the transaction.

Can anyone apply for an Education Loan?

Applications are generally accepted from all Australian Citizens and Permanent Residents over 18-year-old that have an income sufficient to service the repayments.

How is Futurity regulated?

Futurity is regulated by the Australian Securities & Investment Commission (ASIC) and Australian Prudential Regulation Authority (APRA). Our Australian Credit Licence Number is 236665.



Our Education Loan products are regulated under the National Consumer Credit Protection Act 2009 (Cth) (NCCP) which includes the National Credit Code (NCC). Applicants for a Tuition Instalment Loan and Tuition In Advance Loan are assessed on their capacity to repay and are subject to a credit check. As part of our Responsible Lending obligations we are also required to ensure the loan itself is suitable for their needs and that they can demonstrate the capacity to repay.



Our regulatory obligations extend to adhering to the Australian Competition and Consumer Commission (ACCC) and ASIC guidelines for debt collection as well as a fully compliant Hardship policy and procedure.

What happens when parents are in financial difficulty?

Futurity adheres to the requirements outlined under Section 72 of the National Credit Code. We work with customers to assess their current financial circumstances and may provide a range of short to medium term solutions, including but not limited to repayment deferral or reduced repayments.