Study Now, Pay Later

A simple, interest-free payment plan

At Academy Xi, we understand that every student’s situation is unique and you need flexible financing options. That’s why we’ve partnered with ZeeFi to offer you Study Now, Pay Later – a flexible and affordable payment plan solution that takes the stress out of upfront course costs. With payment solutions tailored to your budget, you can focus on studying first and paying later.

Study Now, Pay Later, includes:

  • Up to 36 months interest-free with no deposit!
  • Choose from weekly, fortnightly or monthly repayments

Interested in applying for Study Now Pay Later? Speak to a course advisor on or 1300 098 165 to start your journey.

How it works



Study Now, Pay Later is available for course payments between $500 and $20,000. Currently available for Academy Xi Transform courses only.

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

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

Yes, they are. ZeeFi is limited to a read-only access of your statements. ZeeFi 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.

Yes, ZeeFi provides regulated consumer credit under Australian Credit Licence 498589. In doing so, ZeeFi 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.

No, ZeeFi pays Academy Xi directly.

You’ll pay a one-off $50 establishment fee and a minimal monthly management fee of $7. 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. 

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

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

As a specialist to the education sector, ZeeFi has a comprehensive suite of complementary financial services for students. ZeeFi will work with Academy Xi to see if an alternative payment solution will work for you.

We understand that circumstances can change and are committed to servicing collections with compassion. If you find yourself in financial hardship, it is important that you call ZeeFi immediately. We can try to work with you to reach a payment arrangement that is individual to your needs.

Speak to Academy Xi about deferring your studies. You will still be required to make repayments to ZeeFi in line with your agreement.

If you withdraw from your course, you are required to pay the remaining balance under your agreement, subject to Academy Xi’s refund policy. If Academy Xi issues a refund, Academy Xi will pay the refund amount to ZeeFi for ZeeFi to place against your outstanding obligation.

Yes – at any point you can repay part or all the plan in full. ZeeFi has no early repayment fees.

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. 

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