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PERSONAL LOANS

Borrow up to $50,000 unsecured

Personalised rates from 6.99% p.a.¹
(comparison rate 7.79% p.a.)²
Our latest awards
finder award 2019 v2
mozo award 2017 v2
mozo award 2018
rate city 2020 v2
Harmoney Investor Center

Visit our Investor Centre to see our prospectus and to learn more about Harmoney.

What our customers say

5.0 Thank you for the non-judgemental and easy application of this loan process. I am very appreciative of this opportunity to consolidate my personal loan and credit card debts into the one repayment so that I can at times pay off more and pay the loan off early. Thank you Harmoney. I am so very grateful. Vic, Australia
5.0 Highly recommend using Harmoney-Au it is easy to apply and staff are very helpful.
Thank for your help Ron. Vic, Australia
5.0 I was very impressed with Harmoney it was so easy to do online and and at the end you got the results back quickly. I would highly recommend Harmoney to anyone. Thank you for my loan I very much appreciate it. NSW, Australia
5.0 Speedy service - 2nd time I've used Harmoney - dont bother about the rest SA, Australia
5.0 I would not hesitate to recommend Harmoney to anyone. The online application was smooth and hassle free and I was updated regularly about the progress and outcome of my application. Thumbs up to Harmoney. Vic, Australia
5.0 You are an awesome group to deal with for loans. Also great after sales service, if needed. Qld, Australia
5.0 Harmoney has made this process very easy and effective, very impressed with how straight foward the process is Qld, Australia
5.0 great company and easy to apply thank you, there are not alot of companies out there that cater to people on a pension even though they say they will! This company is different and I like the ability to change the options anytime throughout. Thanks Harmony! NSW, Australia
5.0 Harmoney au has great customer service people who are very helpful and very easy to deal with. I would recommend Harmoney to anyone. NSW, Australia
5.0 No issues, paperwork is easy and professional people working at Harmoney. Love Harmoney!! This is my first Top up loan! NSW, Australia
5.0 Very quick & easy process, highly recommend Harmoney Qld, Australia
5.0 They made it easy for me to apply for a top-up on my existing loan Vic, Australia
5.0 So quick and easy, I originally applied for the wrong type of loan and Harmoney talked me through changing so I had the correct product with no fuss
I have dealt with Mia throughout- she is so patient courteous and professional. Thank you Mia for your guidance you were amazing Qld, Australia
5.0 Simple application process, easy to follow and excellent communication, highly professional. Loan organised promptly once funded. Vic, Australia
5.0 I'm so happy that I came across Harmoney as I have had difficulty trying to get a loan through others,simple and easy to apply NT, Australia
5.0 This has been quick and easy over the Internet. Thank you harmoney :-) WA, Australia
5.0 Easy process that makes life a little easier with understandable information and updates along the way. Thanks Harmoney! WA, Australia
5.0 This is the easiest loan I have ever applied for, its a great system.2nd time applying, loan was approved and in my account by the end of the day. Definately will tell others about you
Will always use you when in need. Qld, Australia
5.0 Harmoney were fantastic to deal with. They kept me updated throughout the approval process, which took 3 - 4 working days to complete. Very friendly staff too. NSW, Australia
5.0 Excellent i was so shoked for having approved with in minutes specialy my own bank my pay go in and years and year they declined me straight after i applied and approved
I Really needed the loan to finish my home
very reliable excellent customer service
i do recommend NSW, Australia
5.0 Fast and easy application.
The approval rate was extremely quick.easy online application. no having to make appointments and wait at the bank.
Much better than the major banks.will not use a bank again.Give Harmoney your business.
Will use again.
Thank you. NSW, Australia
5.0 Happy with the speed of the whole process although the interest rate is higher than I believe it should be. 16.49% for a personal loan is very high NSW, Australia
5.0 Harmoney have been both informative and diligent throughout this whole process from 'enquiry' to 'receipt'. I've received help every step of the way and have appreciated their professional thoroughness. Qld, Australia
5.0 Very happy with service.
Easy hassle free no stress.
Team were very pleasant to deal with.
I would definitely use Harmoney again. NSW, Australia
5.0 This is my third loan through harmoney. Just so easy. Qld, Australia
5.0 I found Harmoney very helpful and quick and easy to use there website.
The approval took less then 24 hours notice.
Thanks Harmoney
 Qld, Australia
5.0 I think Harmoney is a great lending platform which has quality staff who attend to your every need, thanks Harmoney appreciate your guidance throughout the application. WA, Australia
5.0 A very professional & fast service ... easy to apply for & good communication throughout the process ... would definitely recommend HARMONEY to any prospective borrower. , Australia
5.0 Can't belive how stress free and easy the process was. Would rather deal with Harmoney any day compared to the big banks. Qld, Australia
5.0 Great customer service with Lenny. All questions answered. Very happy with the whole loan process. Thankyou. NSW, Australia
5.0 Excellent, curteous and prompt service.
All emails were responded in quick time.
Would recommend Harmony to anyone. , Australia
5.0 It was such an easy process and the rate was so competitive, I would recommend harmony to anyone Qld, Australia
5.0 Very easy to understand and receive the loan I was looking for, great rate as well. NSW, Australia
5.0 So far the experience has been a positive one. Harmoney's service was very fast and efficient. Had notice of the loan being fully funded this morning and the money was in my account tonight. Amazing service. Couldn't be happier right now. Qld, Australia
5.0 I can't believe how quick & easy it was. The money was in my bank less than 24 hours after I accessed the Harmoney website Vic, Australia
5.0 Easy to deal with and fast approvals. Great comunication thru the process of loan Qld, Australia
5.0 To date I have found the Harmony experience transparent and efficient. They were much quicker processing the loan than the major banks and staff were responsive And punctual. I would happily recommend Harmoney to friends and family. WA, Australia
5.0 I have really appreciated Harmoney's attitude of 'how do we get this done' rather than A 'do we want to get it done' assessment style of attitude. Vic, Australia
5.0 The loan was easy to do online, very prompt answer at the end of completing the online forms. Highly recommend to others. NSW, Australia
5.0 Fast and easy to use. Have not needed to contact them for any service or advise as yet but if my previous dealing with establishing the loan is any indication I am sure it will be 5 star. WA, Australia
5.0 The process and loan terms have been straightforward and easy. It took a couple of days for my loan to be funded but the Harmoney staff were easy to contact during this stage to reassure me that the loan would be funded. I'm grateful that lenders like this exist for people who need funds for things that traditional lenders would say no to. Thanks Harmoney! SA, Australia
5.0 Harmoney provided me with the funds I needed very quickly which was really important to me. The application process was simple and when I had questions I was able to speak to someone in person and sort things out. One very happy Harmoney customer. Vic, Australia
5.0 quick and easy to apply and very quick response, loan fully funded with 24 hours so happy with the whole experience. I will be recommending them to family and friends, so much better than the banks Vic, Australia
5.0 The team at Harmoney was fantastic. The service they provided was very efficient and the process was so quick that my application was approved within 2 days. I will definitely recommend Harmoney. Thank you for the great service! NSW, Australia
5.0 Happy with overall service from start to finish.
Quick and painless. Love the fact that I was notified of status of each step of the process.
Thank you Harmoney.
 Vic, Australia
5.0 Very easy to access especially since I am in a remote area. I love the whole online accessibility which made the whole process so quick and easy. Fantastic communication from the Harmoney team with any questions I had. Interest rates are competitive and manageable. Highly reccommended. A+ Qld, Australia
5.0 So fast and simple - I can get my finances and my life in a straight line now - couldn't be more grateful to the Harmoney Team.
Great communication and service. WA, Australia
5.0 Amazing!, but the amount of the loan is a bit small, because to reunify and have a single payment a larger amount was better and so cheaper and make monthly payments easier. Vic, Australia
5.0 Very easy to deal with. They made the loan process very simple. Will deal with again. Qld, Australia
5.0 Quick and easy process! Stress free within days. Very easy to apply
Thank you Harmony , Australia
5.0 Good quick service, sorted out issue I had with computer application straight away after I phoned. Loan was organised quickly so I was able to get myself and my family into a better financial position within days - I was able to pay for my final exam for work and pay out an existing loan, and with this new loan my monthly repayments are now less than they were. Thanks heaps! Qld, Australia
5.0 so far everything has been easy to understand and it didn't take long for drawdown of loan.. Qld, Australia
5.0 Harmoney are very easy to apply for a loan with and service is fast too. NSW, Australia
5.0 Paulina was fantastic and the service was easy and floorless, thanks Harmony we will be back :) SA, Australia
5.0 So far the process for the loan has been fairly simple with less than an hour spent so far filling in documentation online. Hopefully it will be the same experience as I progress to the next stage to get the loan. All good so far!!!

Following the completion of the documentation, which involved in putting my personal details, Medibank details, Driving License and uploading a copy of my bank statement and specifying the amount I would like to borrow, I received confirmation the next morning that the loan had been approved.

Three days later the funds had been received. It was that quick and that simple.

The rate I got was also very reasonable.

I honestly can not fault this service. It was quick, painless and easy. I was informed all the way and their online account is really easy to navigate and use. I will be using them again and I will be recommending them in the future.
Really please customer Vic, Australia
5.0 This was a straight forward and easy to follow procedure...with a great response time..would recommend Harmoney ....5 stars NSW, Australia
5.0 Great service professional and would absolutely recommend harmony to my friends and family they understood my needs and were willing to help, very friendly approach excellent staff satisfaction 10 / 10 in my book thanks harmony team. Qld, Australia
5.0 Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney. NSW, Australia
4.6/5

4.5 overall rating
4.7 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 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 listed in the Marketplace are fully funded within 24 hours.

What we offer

$2K - $50K
Loan limits
3 or 5 years
Loan terms
$275 or $575
Establishment fee
$0
Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 25.69% p.a.¹ (comparison rate 7.79% - 26.65% p.a.²)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000 and over ³
  • No monthly account keeping fees

Find out more about our rates and fees
Get a quick estimate

Get a quick idea of your interest rate and your repayements 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.

stress free v3
GET YOUR MONEY FAST

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

personalised rates v8
YOU'RE UNIQUE. SO IS YOUR RATE

Interest rates are based on your individual credit assesment - not one-size-fits-all.
online v8
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.

debt free v5
DEBT CONSOLIDATION

Easily combine your outstanding debts into one easy payment and one fixed interest rate.

Find out more
personalised rates v8
EDUCATION

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
unsecured car v3
CAR LOANS

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

Find out more
make memories v3
HOLIDAY LOANS

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
wedding prepare v2
WEDDING LOANS

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

Find out more
simplify v9
BUSINESS LOANS

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

Find out more
stress less v6
MEDICAL LOANS

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
start now v2
HOME RENNOVATION

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.
Customer service m wide min v3

Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 25.69% p.a. (Comparison Rate 7.79% p.a. to 26.65% 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 list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

2. Comparison rate of 7.79% p.a.to 26.65% p.a.is based on an unsecured personal loan of $50,000 over 5 years. WARNING: The comparison rate applies only to the example given. 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.

3. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000 and over. Fixed rates range from 6.99% p.a. (Comparison Rate 7.79% p.a.) to 25.69%(Comparison Rate 26.65% p.a.) on 36 to 60 month terms, with no early repayment penalties.