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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 8
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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 Always helpful and very attentive. Very happy with Harmoney australia
5.0 Easy to apply, fast service always happy to help in case of financial misfortune as long as they are kept in the loop. Great loan company! australia
5.0 Quality contact setting up the loan, easy dealings australia
5.0 Excellent made easy with harmoney australia
5.0 Quick and easy loan process. australia
5.0 This is the second time dealing with Harmoney and they are great to deal with australia
5.0 I hadn't heard of Harmoney until recently through another financial app and this process was so easy to go through in comparison to traditional banks. australia
5.0 Thank God for harmoney there the best australia
5.0 Very smooth loan application and processing experience. australia
5.0 Quick and easy thanks Harmoney australia
5.0 Thank you so much Harmoney
Very happy with the service and the quick no fuss application process
Love you’s
Kindest regards
Justin Ropiha
5.0 Found Harmoney easy to use and they offered fair rates australia
5.0 Thank you so much Harmoney. I had a few hiccups with the application process but got there. australia
5.0 The best!! This I'd my third time using them and they've never let me down. I've paid back each loan :) australia
5.0 Harmoney is always awesome. Their process is so easy and the phone staff are very helpful. I have used them before and I keep coming back. 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.

Personalised rates icon

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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