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Borrow up to $70,000 unsecured

Personalised rates from 5.35% p.a.¹
(comparison rate 6.14% p.a.

Our latest awards
Excellent Credit Personal Loan Award Badge 1
finder award 2019 v2
rate city 2021
rate city 2020 v2
mozo award 2018 v2
mozo award 2018
innovation award
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 prestigious 2021 AFR BOSS Most Innovative Companies Awards in the banking, super & financial firms category.

What our customers say

5.0 I have experienced an excellent service in assessing me in regards with my loan. Very very helpful. Highly recommend to people who needed a service from them. australia
5.0 I can't beleive how fasg harmoney approve loans and customer care team is very polite and helpful australia
5.0 I have used Harmoney for other reasons and always pleased , australia
5.0 so quick and easy to go through and have a clear decision on a loan outcome, australia
5.0 Thank you Harmony for your quick response really appreciate it australia
5.0 Harmoney has come to my family needs. Thank you so much. australia
5.0 It’s hard to believe this I just went through a credit approval process — Harmoney has simplified things that no one else thought to make easier, and it’s so much better australia
5.0 very happy at the speed of the loan and approval australia
5.0 Communication has been excellent from all at Harmoney. australia
5.0 Easy to deal with right from the start very professional. Everything was on line, my loan was approved within 48 hours. NSW, australia
5.0 Thank you Harmoney. No judgement and for your complete trust in me. So thankful for the easy to follow steps and immediate response. australia
5.0 NAB told me "No", but Harmony said "we care about you".
Thanks to Harmony and the team.
5.0 Great experience with Harmoney Qld, australia
5.0 Harmoney makes financial matters so easy. I’ve found it to be easier than dealing with the banks! australia
5.0 It was the easier loan application ever!! Thank you so much australia
5.0 the people that i have dealt with at Harmoney have all been excellent australia
5.0 This user-experience is the absolute best I have experienced in any industry, let alone personal loans. Mind-blowingly well thought out. I’ll be recommending this to everyone australia
5.0 Feels easy and they help me on my loan requirements. They are approachable and quick response. I recommend them to others australia
5.0 The loan application process is very easy and transparent at all stages. australia
5.0 An effortless experiance.
Thankyou Harmoney for the ease of application..
5.0 My experience with harmony is fantastic australia
5.0 Very happy with Harmoney services, highly recommended. australia
5.0 able to get loan quickly and easily. Great help Australia
5.0 Quick easy and the staff are very helpful.. thank you harmoney australia
5.0 So far, so good, so afir dealing with Harmoney australia
5.0 Thank you for a fast and speedy process,will very happily recommend harmony to my friends. australia
5.0 So quick and easy. Thank you harmony australia
5.0 Easy process. Thank you for loan. australia
5.0 it is a pleasurable and easy experience dealing with Harmoney. When ever I contact staff either by phone or live chat I get just the answer I need. australia
5.0 My loan application was fast and easy to complete and all done online australia
5.0 Excellent to deal with,loan approved quickly,highly recommend Australia
5.0 I have had a good experience with Harmoney. The staff were knowledgeable and friendly. Applying on line was not complicated and user friendly. australia
5.0 Harmoney made loans faster and better competitive rates. It's all done online so easy and very user friendly. A great wonderful experience with this company. australia
5.0 Harmoney makes it less daunting to apply for a loan australia
5.0 So easy to apply! Very happy to chose Harmony! australia
5.0 What a wonderful experience!! I would recommend Harmoney to everybody in the market for a loan! australia
5.0 U guys are awesome easy to use web sight I'll always choose harmony Nsw, australia
5.0 Thank you for my Loan when I really needed it. australia
5.0 Thank you Harmoney. You provide a great service and fast online applications. Highly recommended. australia
5.0 Great to deal with,no hassle and quick with response and decision on loan outcome.So far So good. Victoria, australia
5.0 Harmoney is by far the best loan company I have come across!!! Definitely reccomend as they are quick, efficient and have excellent customer service to solve any issue you may have so promptly. Thanks again Harmoney for being so helpful and understanding!! australia
5.0 Fast, AAA+++ experience. I would highly recomend Harmony for your needs. australia
5.0 The loan process is very simple and easy to use. australia
5.0 It is a very easy process to apply. Have already some of my friends about Harmony. Very precise and no nonsense application process. australia
5.0 Awesome service, easy process and always approved even if not for the full amount requested. Always come back with some kind of offer. Harmoney is always my first choice when we need some extra money. australia
5.0 Products are simple, easy and contracts quick and effortless, happy with overall experience in dealing with Harmoney - Superb! australia
5.0 Simple and easy as usual. Thank you Harmoney team. australia
5.0 I am very grateful to you for approving my loan as my own bank would not give me anything, cheers. australia
5.0 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 It has been a very easy process. The terms of the loan are very easy to follow australia
5.0 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 Quick and easy to understand, very quick reply from Harmony Team australia
5.0 The best experience I've ever gad with a loan company. So simple and easy. You guys are a life saver. australia
5.0 The Loan process australia
5.0 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.
5.0 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 Great experience with harmoney will definitely recommend it to others australia
5.0 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 So Far Dealing with Harmoney has been a good experience australia
5.0 Hassle free consolidation loan. Thanks to the Harmoney team. australia
5.0 Harmoney have been very helpful. I will be using them in the future. australia
5.0 Loans based on customer repayment history as opposed to the big banks that seem to overcomplicate everything. Extremely competitive rate! australia
5.0 I went through now finance first and they were horrible so ended it and you guys have been a dream australia
5.0 Harmony is so easy to deal with. australia
5.0 Very simple process! Thank you Harmoney. australia
5.0 The ease of applying for the loan and relief knowing I can consolidate all my debts into one easy payment australia
5.0 Loan interest dropped down 2 % on my top up loan. Easy to apply when in need. australia
5.0 Very good never have any problems with harmony they are great.. WA, Australia
5.0 Harmoney went above and beyond to ensure my loan was approved australia
5.0 Great service and very friendly people when you ring for advice.
Would recommend Harmoney to friends.
Thank you
5.0 Application of loan was quick and easy australia
5.0 Easy process and quick results. Thank you Harmony Team. australia
5.0 Harmony makes this process so simple
Could not be happier
5.0 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 Harmoney loan process from start to finish was seamless and clear. Very quick, online app is easy to manage. australia
5.0 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 There were a few delays with the system problems but I’m more than happy to stick with Harmoney australia
5.0 Fantastic service! Harmoney has never let us down and so quick and easy to deal with. australia
5.0 Very helpful and fast loan approval australia
5.0 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 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 Harmony loan are the best and easy to apply australia
5.0 Harmoney are always fast and easy to deal with australia
5.0 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 Harmoney has helped me where others wouldnt because I have no credit history. I would highly recommend Harmoney to anyone. australia
5.0 Harmoney was very easy to deal with the the application process very straight forward australia
5.0 Applied for a loan to consolidate got approved very quickly . Good service australia
5.0 Simple, clear and efficient loan application australia
5.0 Quick and effective will definitely use Harmony in future australia
5.0 The loan process was very easy to follow and when I needed help it was always there for me. australia
5.0 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 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 Quick and easy. That is my kind of loan application! australia
5.0 It's easy and fast to complete the loan application. australia
5.0 Easy, quick, pain free and an overall great experience with Harmoney. Thank you australia
5.0 Everyone has been real helpful on my loan application 110% for service australia
5.0 Easy & quick no hassles - I think thats why ur called Harmoney! australia
5.0 I just love Harmoney. Never a hassle. Friendly staff. Super helpful. Thank you for being amazing in every area. australia
5.0 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

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, 5 or 7 years

Loan terms
$275 or $575

Establishment fee

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

Find out more about our rates and fees

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.

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No queues and no need for awkward face to face meetings.

Personalised rates icon

Interest rates are based on your individual credit assesment - not one-size-fits-all.

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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 icon

Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.

Find out more

Personalised rates icon v2

Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.

Find out more

Debt con icon

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

Find out more

Holiday icon

Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.

Find out more

Simplify icon

Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.

Find out more

Medical icon

A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.

Find out more

Wedding icon

A wedding loan can help you achieve exactly what you have in mind for that special day.

Find out more

Renovation icon

A home improvement loan could help you achieve the living spaces that you have dreamed of having.

Find out more

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.

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