Personal loans to start almost anything.
Won't affect your credit score
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
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
3, 5 or 7 years
$275 or $575
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
*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.
GET YOUR MONEY FAST
No queues and no need for awkward face to face meetings.
YOU'RE UNIQUE. SO IS YOUR RATE
Interest rates are based on your individual credit assessment - not one-size-fits-all.
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.
Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.
Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.
A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.
Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.
Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.
A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.
A wedding loan can help you achieve exactly what you have in mind for that special day.
A home improvement loan could help you achieve the living spaces that you have dreamed of having.