Welcome to Harmoney
What is Harmoney?
Harmoney is Australasia's leading marketplace lending website.
Marketplace lending is a more efficient way to borrow and invest. Investors fund loans to Borrowers without the need for a Financial Intermediary, so everyone gets a better deal.
How does it work?
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Who are we?
Harmoney is Australia’s newest marketplace lending website, matching people who want to borrow money with people who want to invest. After operating in New Zealand for more than a year, we’ve brought our popular platform over to Australia.
Marketplace lending has been a trusted way to borrow and invest money for over 10 years in the UK and USA, and now it’s our turn. Watch the video below to hear from our Borrowers and Investors in New Zealand as to why they chose Harmoney.
“I want to borrow...”
Enter amount from $5,000-$35,000
Select your preferred loan term
36 month term
60 month term
Your credit profile
- 100% online application
- Up to $35,000, unsecured
Why borrow through Harmoney?
100% online application.
It’s easy to apply online with no obligation to proceed. 95% of loans on our Marketplace are funded within 24 hours.
Rates from 8.99% p.a.
(Comparison Rate 9.70% p.a.)* You're unique, and so is your interest rate. We'll customise your loan to fit your circumstances, not everyone else's.
Up to $35,000, unsecured.
No ball and chain, just easy repayments you can afford. We don't have any hidden fees or early repayment charges either.
Why invest through Harmoney?
Consumer credit generally outperforms typical investments. That's why most of our investors enjoy returns of around 11% p.a. on average.
Because your investment is spread across hundreds of different creditworthy Borrowers and different asset classes, it's easy to diversify your portfolio.
Harmoney is currently accepting "Sophisticated Investors", who can invest a minimum of $2,000,000.