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Personal loans to start almost anything.

Won't affect your credit score

Our latest awards
Finder Award Highly Commended RGB
Finder Award Winner 2019 RGB
Best Excellent Credit Personal Loan
Excellent Credit Personal Loan Award Badge 1
rate city 2021
innovation award
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 The loan process was incredibly fast, easy and stress free. australia
5.0 Easy, no hassles, fast loans, repayments you can afford. australia
5.0 Harmoney is a excellent service could not be happier australia
5.0 Clear understanding of loan conditions of contract and great customer service australia
5.0 It's smooth quick process with Harmoney for a personal loan application australia
5.0 Very easy process
Very happy with harmony finance and would definitely recommend
5.0 I have been a Harmony customer for many years now & have always found them the best to deal with australia
5.0 Easy, no fuss, no hassels, giving affordable repayments to honest hardworking people, thanks harmoney Nsw, australia
5.0 Always easy going through Harmoney - 10/10 australia
5.0 Harmoney respond promptly and communicate well with all the information you require so that you can make the right decision to suite your needs. australia
5.0 This is the best and easiest loan application experience I have ever had. There was great support along the way. australia
5.0 It was very easy to do this loan thanks australia
5.0 Always awesome experience when dealing with Harmoney. I know little bit higher on interest rate however they come 1st from all Financial Institute and respond promptly. I enquired in different banks but Harmony is the first who responded and closed the deal withing 2 days! australia
5.0 Very easy to understand and quick to get finance from Harmoney. australia
5.0 Harmoney was wonderful to work with. The process was easy and customer service was very good. 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 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

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.

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.

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Interest rates are based on your individual credit assessment - 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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