PERSONAL LOANS
Borrow up to $70,000 unsecured
Personalised rates from 5.35% p.a.¹
(comparison rate 6.14% p.a.)²
Our latest awards
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Harmoney comes 4th in Top 10 2021 AFR Most Innovative Awards
We've been recognised as one of the Most Innovative Companies in Australia by the Australian Financial Review (AFR). Harmoney’s Libra real-time credit scoring technology secured Harmoney 4th position in the prestigious2021 AFR BOSS Most Innovative Companies Awards in the banking, super & financial firms category.
What our customers say
5.0 2022-01-24 Sharon I am very grateful to you for approving my loan as my own bank would not give me anything, cheers. australia
5.0 2022-01-19 Jason This experience has been a pleasure. The rate is a little high but for unsecured loan it’s reasonable. I’m so pleased with this experience and quick response australia
5.0 2022-01-19 Shane It has been a very easy process. The terms of the loan are very easy to follow australia
5.0 2022-01-19 Mikayla Harmoney has provided the most stress-free and informative loan facts, statistics and data I have ever interacted with. I would definitely recommend Harmoney :) australia
5.0 2022-01-17 Anonymous Customer Quick and easy to understand, very quick reply from Harmony Team australia
5.0 2022-01-16 Andre The best experience I've ever gad with a loan company. So simple and easy. You guys are a life saver. australia
5.0 2022-01-16 Kuhi The Loan process australia
5.0 2022-01-15 Andrew Fantastic, website portal was user friendly and was a added bonus that harmony could access my bank statements and work out my expenses.
Not stressful at all.
Thankyou. australia
Not stressful at all.
Thankyou. australia
5.0 2022-01-14 Bradley Harmoney got information of my assets, liabilities, my historical financial stability in addition to taking into consideration a short term financial situation. In comparison to other lenders that take a quick financial snap shot which isn’t an accurate reflection of long term financial behaviours. australia
5.0 2022-01-13 Alfred Great experience with harmoney will definitely recommend it to others australia
5.0 2022-01-13 Glen I've used Harmoney in the past and have been very pleased with how fast and easy it is to apply online australia
5.0 2022-01-13 kevin So Far Dealing with Harmoney has been a good experience australia
5.0 2022-01-13 ARLINDA THANK YOU HARMONEY VERY MUCH AND EFFICIENT PROFESSIONAL SERVICE australia
5.0 2022-01-12 Anonymous Customer Hassle free consolidation loan. Thanks to the Harmoney team. australia
5.0 2022-01-12 Faye Harmoney have been very helpful. I will be using them in the future. australia
5.0 2022-01-12 Fiona Loans based on customer repayment history as opposed to the big banks that seem to overcomplicate everything. Extremely competitive rate! australia
5.0 2022-01-10 Dustin I went through now finance first and they were horrible so ended it and you guys have been a dream australia
5.0 2022-01-10 Paul Harmony is so easy to deal with. australia
5.0 2022-01-10 Brooke Very simple process! Thank you Harmoney. australia
5.0 2022-01-10 Suzanna The ease of applying for the loan and relief knowing I can consolidate all my debts into one easy payment australia
5.0 2022-01-09 Lea Loan interest dropped down 2 % on my top up loan. Easy to apply when in need. australia
5.0 2022-01-07 Mary Very good never have any problems with harmony they are great.. WA, Australia
5.0 2022-01-05 Annie Harmoney went above and beyond to ensure my loan was approved australia
5.0 2021-12-30 Diane. Great service and very friendly people when you ring for advice.
Would recommend Harmoney to friends.
Thank you australia
Would recommend Harmoney to friends.
Thank you australia
5.0 2021-12-30 Elizabeth Application of loan was quick and easy australia
5.0 2021-12-24 Raymond Easy process and quick results. Thank you Harmony Team. australia
5.0 2021-12-23 Mercy Harmony makes this process so simple
Could not be happier australia
Could not be happier australia
5.0 2021-12-22 Kimble Fast and efficient and no drama from start to finish. Appreciate you helping me getting my finances in order ready to start 2022 with one simple repayment. Thanks. australia
5.0 2021-12-22 Anonymous Customer Harmoney loan process from start to finish was seamless and clear. Very quick, online app is easy to manage. australia
5.0 2021-12-21 Cecille I tried to do this with my own bank. Seriously useless…. And it’s paying off their overdraft. You make it easy as. My second loan with you and I couldn’t be happier with how it works. Well done on a great system. australia
5.0 2021-12-21 David There were a few delays with the system problems but I’m more than happy to stick with Harmoney australia
5.0 2021-12-21 Usaia Fantastic service! Harmoney has never let us down and so quick and easy to deal with. australia
5.0 2021-12-19 Stein Very helpful and fast loan approval australia
5.0 2021-12-15 Hianjuku No stress and one of the best in class service I have used so far. This is my second loan of 50grant. Both loan applications done online and approved in minutes. Who can do better than Harmony - I need to convinced is there is anyone else! Well done guys - yove won a lifetime customer! Thanks alot. australia
5.0 2021-12-15 Ashiqur It.was easy to apply and get the loan approved. It was hassle free.team is helpful. I appreciate and i recommend people going through hardship and need money Asap australia
5.0 2021-12-12 mimma Harmony loan are the best and easy to apply australia
5.0 2021-12-09 Guido Harmoney are always fast and easy to deal with australia
5.0 2021-12-09 Jason I found the ease of consolidation through gaining my credit score and interest rate in relation to that score an insightful and stress free experience with harmony , I feel they have helped myself into a posityof financial security. australia
5.0 2021-12-07 Louis Harmoney has helped me where others wouldnt because I have no credit history. I would highly recommend Harmoney to anyone. australia
5.0 2021-12-07 Peter Harmoney was very easy to deal with the the application process very straight forward australia
5.0 2021-12-05 Anonymous Customer Applied for a loan to consolidate got approved very quickly . Good service australia
5.0 2021-12-04 Jamie Simple, clear and efficient loan application australia
5.0 2021-11-29 Anonymous Customer Quick and effective will definitely use Harmony in future australia
5.0 2021-11-26 Kim The loan process was very easy to follow and when I needed help it was always there for me. australia
5.0 2021-11-23 Rowena Harmoney is the best product for all loan types. Seamless, fficient, fast service. Your service is way better, if not the best among others. The customer service is just amazing. I thought I would never find a perfect institution like yours but I just did! Thank you so much. All the best to you all! australia
5.0 2021-11-22 Kylie Everything is so quick and easy with Harmoney ! The comms are great too. Staff are knowledgeable and lovely to speak too as well. australia
5.0 2021-11-20 Sera Quick and easy. That is my kind of loan application! australia
5.0 2021-11-18 Angie It's easy and fast to complete the loan application. australia
5.0 2021-11-17 Anonymous Customer Easy, quick, pain free and an overall great experience with Harmoney. Thank you australia
5.0 2021-11-11 Kris Everyone has been real helpful on my loan application 110% for service australia
5.0 2021-11-06 Arch Easy & quick no hassles - I think thats why ur called Harmoney! australia
5.0 2021-11-05 Melinda I just love Harmoney. Never a hassle. Friendly staff. Super helpful. Thank you for being amazing in every area. australia
5.0 2021-10-27 Nunzio Brilliant service from the team at Harmoney. The whole process from start to finish was stress free. Definitely will be recommending their services to family and friends. I look forward to engaging with them in the future.. australia
5.0 2021-10-27 Bailey Quick and easy loan super helpful australia
5.0 2021-10-27 Dianne Applying for my loan for urgent medical purposes was extremely easy australia
5.0 2021-10-24 Anonymous Customer This is going to change my life. Thank you Harmoney australia
5.0 2021-10-19 CHLOE Super quick, easy process! Loan approved within 3 hours business time! Super happy australia
5.0 2021-10-16 Julie This was the fastest and simplest loan I’ve ever had. We’ll done australia
5.0 2021-10-13 Rizendy Its unreal, i cant believed how fast and efficient the service, i was hesitant at first as i hate the hassles of applying in the banks but Harmoney is great. Definitely will stay with u from now on. Thank you australia
5.0 2021-10-09 Manuel Hi it was very good service and quick to get a loan from harmony australia
5.0 2021-10-08 Kimberley Amazing, so quick, so easy! Great to deal with, thank you Harmoney. australia
5.0 2021-10-08 Rhys Quick and easy transaction thank you harmoney australia
5.0 2021-10-07 Alesana Amazing service. First time I applied for a loan and everything went perfect. australia
5.0 2021-10-05 Zarin Thank you so much for Harmoney for quick loan approved without any hassle, I appreciated your argent support and fast professional service, I personally recommend others whom need argent support, australia
5.0 2021-09-29 Erica Love Harmoney. So easy and reliable australia
5.0 2021-09-25 Robert It has been a pleasure to deal with Harmoney have they make it very easy and stress free to obtain the loan I am looking for
Thanks heaps Harmoney and I look forward to being with you for years to come australia
Thanks heaps Harmoney and I look forward to being with you for years to come australia
5.0 2021-09-23 Juanita As long as the money is received in my account, as I have only done the approval, I am more than happy with Harmoney australia
5.0 2021-09-22 Lianne Harmoney is the best and easiest way to get a small loan when you need it. Thank you australia
5.0 2021-09-20 Isaac It's was the easiest and fastest loan I've ever had, truly this is the future and the future is now :) australia
5.0 2021-09-19 Tanson Very quick and easy process to get a loan. Thank you australia
5.0 2021-09-13 Abhijit First of all, Thankyou so much for helping me out with the personal loan australia
5.0 2021-09-11 Caitlin Second time I’ve used Harmoney. It’s an amazing service australia
5.0 2021-09-10 Dylan Brilliant loan company !! australia
5.0 2021-09-08 Matthew Thank you again Harmoney australia
5.0 2021-08-30 Larissa Absolutely brilliant, can't thank Harmoney enough australia
5.0 2021-08-25 Maria Harmoney, my heartfelt thanks for approving my top-up loan to help consolidate my debts. My financial hardship throughout the pandemic will become a little easier due to your compassionate response to my application. I will definitely recommend your services to family & friends if the situation arises. australia
5.0 2021-08-23 Cameron Never has it been easier for me to get a loan until I came across these guys would recommend to other people australia
5.0 2021-08-23 Daniel I found my loan application very easy and super fast great work guys will highly recommend use australia
5.0 2021-08-18 Joh Excellent communication and fast process . Thanks Harmony australia
5.0 2021-08-17 Anonymous Customer Harmoney have been so easy to deal with. Thanks australia
5.0 2021-08-16 Richard The Harmoney Team are very prompt communicators and streamline it all to obtain a result, very happy with the expert help, Rgds Richard australia
5.0 2021-08-14 Rowel Thank you very much harmoney.i im very satisfied to your service. , australia
5.0 2021-08-11 Craig Can not fault harmoney perfect customer service and experience australia
5.0 2021-08-11 Linda Make it so easy and always make life easy for me. I love you making my loan payments easier australia
5.0 2021-08-09 Edward I have found Harmoney easy to deal with and I am very happy with the service australia
5.0 2021-08-05 Claude Great Service, very help staff , highly recommend Harmony for any business owner. australia
5.0 2021-08-04 karlheinz it was just so easy and fast. i applaud you at Harmony for making this experience so easy and painless australia
5.0 2021-08-02 Tania no this is the second time we have used harmony and we are always very happy with the service. australia
5.0 2021-07-26 Kim Absolutely great , efficient and very fast approval. Tysm harmony. australia
5.0 2021-07-23 michael Harmoney is so easy to apply and you deside on when it comes out weekly tonight month I l i k's that thanks for helping me out again in time of need.. australia
5.0 2021-07-21 George I am so thankful to Harmoney youse are awesome thnx australia
5.0 2021-07-20 Hayley Great experience so far when applying for my loan. australia
5.0 2021-07-15 Anonymous Customer I could not recommend Harmoney enough! Staff are very helpful and great customer service, great communication. Very easy process to complete loan application. I can’t fault at all. 10/10 australia
5.0 2021-07-15 Julie Has been very good dealing with harmoney australia
5.0 2021-07-12 Anonymous Customer Harmoney are the best, i will recommend it to everyone whos struggling out there, they gave me a chance when no ones will,
From the bottom of my heart, I thank you to all Harmoney Staff australia
From the bottom of my heart, I thank you to all Harmoney Staff australia
5.0 2021-07-09 Brett Harmoney has been a great help to me in achieving my goals, they are very professional and helpful with clear and fair terms and great products. Many thanks to the harmoney team. australia
5.0 2021-07-06 Anil Absolutely amazing experience overall! The end to end loan application and approval process was seamless and super quick! australia
5.0 2021-07-06 Jacqueline Quick response, and very easy to use. Very pleased with Harmoney. australia
5.0 2021-07-06 Sione Thank you for helping me. My experience with your loan company has been great and much appreciated. australia
5.0 2021-06-30 Tim Possibly the easiest experience I've ever lived, Thanks Harmony. australia
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 loan terms
We provide you detailed loan terms with 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 or 5 years
Loan terms
$275 or $575
Establishment fee
$0
Early repayment fee
- All loans are unsecured
- Rates from 5.35%¹ (comparison rate 6.14%²)
- Your rate is fixed for the life of the loan
- Establishment fee of $275 for loans under $5,000 ³
- Establishment fee of $575 for loans $5,000and over ³
- No monthly account keeping or early repayment fees
- You can repay weekly, fortnightly or monthly
Get a quick estimate
Get a quick idea of your interest rate and your repayments using our personal loan calculator.
Get the loan that works for you
Spend more time living and less time figuring out how to pay for what you need.
GET YOUR MONEY FAST
No queues and no need for awkward face to face meetings.
YOU'RE UNIQUE. SO IS YOUR RATE
Interest rates are based on your individual credit assesment - not one-size-fits-all.
100% ONLINE - 24/7
Once your loan is approved the money will be in your account in 1-3 business days.
Types of personal loans
Help for almost anything you need.
CAR LOANS
Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.
EDUCATION
Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.
DEBT CONSOLIDATION
A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.
HOLIDAY LOANS
Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.
BUSINESS LOANS
Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.
MEDICAL LOANS
A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.
WEDDING LOANS
A wedding loan can help you achieve exactly what you have in mind for that special day.
HOME RENOVATION
A home improvement loan could help you achieve the living spaces that you have dreamed of having.
We're real people and here if you need us
If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
