PERSONAL LOANS

Name: Harmoney Australia
Address: 264 George Street, 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 2023-11-28 Dat Thank you for a seamless process with my loan. australia

5.0 2023-11-27 Belinda Harmoney are so easy to deal with! australia

5.0 2023-11-26 Vicki Thorough, quick and easy. Information is very clear and loans are offered with various options so easily customized to your preference. australia

5.0 2023-11-22 Aklesh Harmoney does not ask so many questions and gives answer in minutes. australia

5.0 2023-11-21 Damian Used Harmoney a few times. Excellent business. australia

5.0 2023-11-20 Neville We love dealing with Harmoney. It is very easy, friendly and thorough with communication. australia

5.0 2023-11-20 Shane Very easy experience, the loan terms are easy to understand. I would highly recommend australia

5.0 2023-11-19 Lea Harmoney is always happy to help when the conditions are right. So easy to apply for a loan australia

5.0 2023-11-14 Senjleen Convenient and easy to fill forms and apply. Fast and efficient process from start to finish. Fair interest rates compared to other lenders. Thanks Harmoney. australia

5.0 2023-11-13 Jay The process and customer service was excellent, so far I've had a great experience using Harmoney australia

5.0 2023-11-08 Gloria A very quick and efficient process - Well done Harmoney! australia

5.0 2023-11-06 Ella Harmoney has helped me out immensely. australia

5.0 2023-10-30 Rob Fast and easy finance! australia

5.0 2023-10-29 Brendan Helpful, easy process and easily to deal with. Thanks alot Harmoney australia

5.0 2023-10-17 Anonymous Customer Fantastic service, easiest loan process. The call centre team are kind, friendly and very informative. 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.