Why Current Student Loans Don't Work
Understanding the challenges international students face
High Interest Rates
Traditional banks in many countries charge international students steep interest rates — often 11.5–14% — making education loans unaffordable for many deserving students.
Currency Volatility
Exchange rates keep changing, making it hard to predict how much you'll actually pay back — especially over long loan periods.
Complex and Slow Process
Applications require piles of documents, lengthy verifications, and can take weeks or even months — just to get a response.
Difficult Loan Repayment
Rigid repayment schedules don't account for job delays or visa issues — students often struggle to keep up after graduating.
Why Choose Us?
Save on Forex
Save on forex both while getting a loan and repaying it, with our competitive exchange rates
Better Rates
Competitive interest rates that make your education more affordable and your dreams achievable
Fast Process
Quick and efficient online process with minimal documentation, saving you valuable time
What International Students on Loans Are Saying
Real experiences from students navigating international education financing
Deep frustration with current banking experience
Students face numerous challenges with traditional banking systems that aren't designed for international education financing.
Forex loss is a common burden
We lose both ways - while sending and receiving money, making education even more expensive.
Fast, digital, and transparent processes
Students value modern, streamlined processes that keep them informed at every step.
Flexible repayment with clear terms
Most want repayment flexibility & visibility on total payable amount upfront.
✨ Meet the Founders
Shiven
Computer Science @ Monash
Praditha
Finance @ Monash
We're Shiven and Praditha — just two international students who hit "apply" and got hit back with sky-high interest rates.
UniMoney started from our own struggle to secure fair loans to study in Australia. I'm Shiven, a Computer Science undergrad at Monash who loves building things that actually solve problems. And I'm Praditha, a Master's student in Finance at Monash who's all about making money work smarter, not scarier.
Between the endless paperwork, crazy interest rates, and feeling like the system's not built for us — we knew something had to change. So we decided to build it ourselves.
From the Students of
