Welcome to Harmoney

Australasia's Leading Marketplace Lender.

Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney.

Martin W, NSW. Aug 24, 2017
Shopper Approved


Quick Estimate

I want to borrow ...
My credit history is ...
Estimated repayments*
3 yr term
─ ─
5 yr term
─ ─
Total cost of borrowing
─ ─
─ ─
Total repayments
─ ─
─ ─
Interest rate*
─ ─
Comparison rate*
─ ─
─ ─

*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and submit your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Establishment fee of $500 applies. Some charges may apply — see Rates and Fees for details.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty and cost savings are not included in the comparison rate but may influence the cost of the loan.

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?


Step 1:

A Borrower applies for a personal loan with Harmoney. Once this loan is approved, they list it in our Marketplace.

How it Works

Step 2:

Investors fund the loan.


Step 3:

The Borrower then repays the Investors over the next 3-5 years through Harmoney.

10 Ways to a better credit rate

NZ F 1601011 eBook

If you're curious about credit ratings, and how savvy Australians are improving their financial well-being with some simple tricks, we've written a free eBook.

Download "10 ways to a better credit rate" and learn how you could improve your credit record by managing your loan well.

Download our eBook

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.

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 6.99% p.a. to 28.69% p.a.

(Comparison Rate 7.69% p.a. to 29.55% 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 $70,000, 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?

Investor 1

Attractive returns.

Consumer credit generally outperforms typical investments. That's why most of our investors enjoy returns of around 11% p.a. on average.

Investor 2

Diverse Assets.

Because your investment is spread across hundreds of different creditworthy Borrowers and different asset classes, it's easy to diversify your portfolio.

Investor 3

Professional Investors.

Harmoney is currently accepting "Sophisticated Investors", who can invest a minimum of $2,000,000.

What are people saying about us?