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Study in New Zealand
Education loan rates for New Zealand
Secured and unsecured loan options from our lending partners for Indian students heading to New Zealand. Verified rates as of 2025–26.
9+Lending Partners
9.80%Secured from
11.15%Unsecured from
With Collateral
Secured loans for New Zealand
These loans require property or FD as collateral but offer the lowest interest rates. Margin money is the portion of the cost you must pay yourself.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| SBI | Up to ₹1.5 Cr | 10.65% - 11.15% | 10 - 15% |
| Union Bank of India | Up to ₹2 Cr | 9.8% - 10.15% | 10 - 15% |
| Bank of Baroda | Up to ₹1.5 Cr | 10.14% - 11.15% | Nil |
Without Collateral
Unsecured loans for New Zealand
No property needed — approval is based on your academic profile and co-applicant income. Faster processing but slightly higher rates.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| Axis Bank | Up to ₹40 Lakh | 11.15% - 13% | Nil |
| ICICI Bank | Up to ₹40 Lakh | 11.15% - 13% | Nil |
| IDFC First Bank | Up to ₹40 Lakh | 11.15% - 13% | Nil |
| Credila | Up to ₹30 Lakh | 12.5% - 14% | Nil |
| Incred | Up to ₹30 Lakh | 12.5% - 14% | Nil |
| Avanse | Up to ₹30 Lakh | 12.5% - 14% | Nil |
Rates shown are indicative as of 2025–26 and subject to change. Actual rate depends on your profile, university, and lender assessment. Confirm with the lender or our counsellors before applying.
Planning to study in New Zealand?
Tell us your university and loan amount — we'll match you to the right lender and get you the best rate your profile qualifies for.
Check My Eligibility Estimate My EMIVisa Guide
New Zealand Student Visa
- 1Get your offer of place from a New Zealand university
- 2Apply online at Immigration New Zealand (immigrationonline.govt.nz)
- 3Pay visa fee (~NZD 375)
- 4Financial proof: tuition + NZD 15,000 living costs per year
- 5Medical and travel insurance
- 6Processing time: 4–6 weeks for Indian applicants
Loan + Visa together: Your loan sanction letter is a key financial document for the visa application. We coordinate both processes so you're not chasing two things at once. Learn about our visa support →
Top Universities
Where our students go
University of AucklandVictoria University of WellingtonUniversity of OtagoUniversity of CanterburyMassey UniversityAUT UniversityLincoln University
Average tuition: NZD 22,000–35,000/year. Living costs: NZD 15,000–20,000/year.
Not sure which lender is best for New Zealand?
We compare all options and negotiate on your behalf — one call, multiple offers.
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