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You can make extra repayments to your loan at any time, even if you earn under the repayment threshold. You can make these payments to us yourself or you can ask your employer to make extra deductions from your income.
You can make extra repayments to us in a number of different ways. The easiest and quickest way is to make a payment online with:
You can also make payments:
Whenever you make a payment to us make sure you let us know:
You can set up PayWay direct debit to make regular repayments from your Australian bank account. These payments will be in Australian dollars and we'll cover the currency conversion cost. Call us free from Australia on 1800 559 653 to set up your PayWay direct debit.
If you're an overseas-based borrower you won't be charged a fee. However, New Zealand-based borrowers will be charged a 1.42% fee.
If you want to make extra repayments through your employer, let them know how much extra you want to pay. They'll send us the extra amount along with your standard deductions each month.
If you decide to stop making extra repayments, or want to change the amount, just let them know.
You can track these repayments through your myIR Secure Online Services account.
If you've repaid your loan in full, and paid more than you needed to, you can:
If your loan isn't repaid in full and you have no overdue repayments, you can:
Send us a secure mail through your myIR Secure Online Services account and let us know what you want to do.
If you're requesting a refund and don't have an overdue amount, check out these situations to see which one applies to you: