PERSONAL LOANS

Name: Harmoney Australia
Address: Level 36, Governor Philip Tower, 1 Farrer Place, Sydney, NSW, 2000, Australia
Telephone: 1300 042 766
Price range: $2,000 to $70,000 loans

Personal loans to start almost anything.

Won't affect your credit score

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Harmoney ranks in Top 10 2023 AFR Most Innovative Awards

We've been recognised a second time as one of the Most Innovative Companies in Australia by the Australian Financial Review (AFR) appearing in the Top 10 for the prestigious 2023 AFR BOSS Most Innovative Companies Awards in the banking, super & financial firms category.

What our customers say

5.0 2024-04-05 Rob Quick and easy thanks Harmoney australia

5.0 2024-04-03 Justin Thank you so much Harmoney
Very happy with the service and the quick no fuss application process
Love you’s
Kindest regards
Justin Ropiha australia

5.0 2024-04-02 Ian Found Harmoney easy to use and they offered fair rates australia

5.0 2024-03-27 Cheryl Thank you so much Harmoney. I had a few hiccups with the application process but got there. australia

5.0 2024-03-26 Steve The best!! This I'd my third time using them and they've never let me down. I've paid back each loan :) australia

5.0 2024-03-26 Melinda Harmoney is always awesome. Their process is so easy and the phone staff are very helpful. I have used them before and I keep coming back. australia

5.0 2024-03-23 Elizabeth Very easy to establish loan australia

5.0 2024-03-23 Peter Friendly application method and support to know your capacity for how much you can borrow.
Good customer service too. Harmoney is recommended. australia

5.0 2024-03-20 Christo The process is so easy and quickly. I have a great shopping experience with Harmony australia

5.0 2024-03-20 James Very happy with the team at Harmoney, they are very helpful. australia

5.0 2024-03-18 Kylie-Anne I have dealt with Harmony before and each time it has been a seamless process and lots of knowledge provided australia

5.0 2024-03-17 Leisha Stress free personal loan - highly recommend australia

5.0 2024-03-07 Jeffrey I love Harmoney. You have helped me at every stage of my life. Thank you australia

5.0 2024-03-02 IKENNA Easy process with loan application with Harmoney australia

5.0 2024-02-27 Nicole This is the easier borrowing process. I will continue to use Harmoney for that reason even if the interest rate is not as competitive as other lenders. australia

4.8/5

4.7 overall rating

4.8 overall rating

Simple, 100% online

1. Get to know you

Tell us about your loan and provide us some details about yourself and your finances.

2. Get your quote

We provide you with your loan terms, your interest rate, borrowing limit, and repayments.

3. Get your money

Accept your loan terms and provide some final details. Most loans are fully funded within 24 hours.

What we offer

$2K - $70K

Loan limits

3, 5 or 7 years

Loan terms

$275 or $575

Establishment fee

$0

Early repayment fee

You can get a 3, 5 or 7 year loan term¹
Secured fixed rates from 5.66%* to 20.07% (comparison rate 6.45%)
Unsecured fixed rates from 5.76%² to 24.03% (comparison rate 6.55%³)
Your rate is fixed for the life of the loan
Establishment fee of $275 for loans under $5,000 ⁴
Establishment fee of $575 for loans $5,000and over ⁴
No monthly account keeping or early repayment fees
You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

*If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.