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A Simple, Interest Free payment plan for your Course

A ‘buy now pay later’ flexible finance solution for students so you get the quality education you deserve without the upfront cost.

Removing financial barriers to study

Functional Training Institute have partnered with ZeeFi a leading provider of flexible, interest-free payment plans that enable you to focus on studying now and paying later.

Depending on the course and the plan you choose, you could be studying your course for LESS than the price of a coffee a day!

Study Now Pay Later is available for courses valued between $500 to $20,000 with interest-free payment plans over either a 6 or 12 month term. Our Study Now Pay Later is a safe and simple service that opens quality education to more people.

Helping you invest in your future

Here’s what you get:

  • Stress free funding – You get to study now and pay-off your course with fixed, interest free repayments over time and low monthly fees.
  • Fast approval – If everything is supplied upfront, it can take under 30 mins to process your application.
  • Simple solutions – Submitting your application is fast and simple and it’s fully online.

Student Eligibility Criteria

  • Be an Australian citizen, permanent resident
  • Be 18 years or older
  • Be able to service the payment plan repayment amounts
  • Repay the plan off in designated timeframe
  • Single borrower only – no joint applications

How to Apply:

  • Select the ZeeFi payment option at checkout.
  • Or click the ZeeFi ‘Apply Now’ button on this page. Applications are processed within an hour.
  • Get Approved. ZeeFi will pay FTI on your behalf.
  • Start your study. Make regular, interest-free, fixed payments to the end of your 6 or 12 month term (you can elect to pay more at any stage to reduce your term, without early repayment fees).
  • Get help when you need it. If you find your circumstances change – and, sometimes, they do – ZeeFi is ready to support you to meet your obligations.

Information needed to complete Application:


  • Employment details
  • Direct Debit details (BSB and Account Number)
  • ID Documents (Medicare plus Driver’s License or Passport)
  • Online banking credentials to link bank statements.

Are you Ready to Get Started?


General Study Now Pay Later Mini (SNPL-M) Student Application

Study Now Pay Later (SNPL) Student Application

Payment Assist

Don’t let the stress of upfront course costs keep you from a quality education. Payment Assist offers
you interest-free, fixed payments across an agreed term, with the ability to alter those terms if your
circumstances change. Payment Assist solution secures your enrollment and allows you to concentrate
on what’s most important: your studies.

Here’s what you get:

    • Certainty – Have peace of mind knowing your enrollment is secured without the stress of
      upfront course costs.
    • Interest free – make fixed repayments of principal only – no interest applicable.
    • Simple and flexible – Apply and manage your application quickly online.
    •  Affordable – Repayments are evenly split into weekly, fortnightly, or monthly payments.

Frequently Asked Questions

How much can I borrow?

Study Now Pay Later is available for course payments between $500 and $20,000.

How long does it take to process my application?

If everything is supplied upfront, it can take under 30mins to process your application.

Will you run a credit check on me?

Yes, as part of processing your application, we will run a credit check to confirm eligibility.

Are my bank details safe with

Yes, they are. We are limited to a read-only access of your statements. We cannot make any transactions or view your passwords. Illion is independently tested and audited by external security experts and encrypted with bank-level security and is used by many banks and non-bank lenders.

Is ZeeFi regulated?

Yes, ZeeFi provides regulated consumer credit under our Australian Credit Licence 498589. In doing so, we must comply with the National Consumer Protection Act 2006 (Cth), the National Credit Code and must meet ASIC’s requirements in relation to consumer credit.

Do you send the money to me?

No, ZeeFi pays your education provider directly.

What fees do I need to pay?

You’ll pay a minimal monthly management fee. However, an arrears fee is applicable if the account is overdue and a dishonour fee for each dishonoured payment. Please refer to the Target Market Determination document available on our website.

How do repayments work?

Repaying your plan is as easy as setting up a weekly, fortnightly or monthly direct debit. If you miss a direct debit payment, it is important that you call ZeeFi ASAP to avoid any further fees.

Do I need to be employed?

Yes, you must have an income. It can be part time, full time, casual or self-employed.

What is a credit score?

A credit score is a number (between 0 and 1,200) generated by a credit bureau. Your score reflects your borrowing history and if you pay your bills on time – which helps lenders determine how likely you are to repay any credit.

Refer to our Credit Scores 101 guide to understand your credit score and how to improve it.

Start Your Journey Today

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