People investing in people

Borrow money or lend money to people just like you.

Loan repayments estimate

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Enter amount from $5,000 -$35,000
Select your preferred loan term

36 month term

60 month term

Rates from p.a. (comparison rate p.a.)
Your credit profile
  • 100% online application
  • Up to $35,000, unsecured

*Repayments are based on an indicative interest rate of 8.99% p.a. and are only a guide. The comparison rate of 9.52% p.a. is based on an Unsecured Personal Loan with a loan amount of $30,000 and a term of 5 years. WARNING: This comparison rate applies only to the example or examples 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. Subject to a successful credit assessment and approval, you will be offered a rate based on your individual circumstances.

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*Repayments are based on an indicative interest rate of 8.99% p.a. and are only a guide. The comparison rate of 9.52% p.a. is based on an Unsecured Personal Loan with a loan amount of $30,000 and a term of 5 years. WARNING: This comparison rate applies only to the example or examples 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. Subject to a successful credit assessment and approval, you will be offered a rate based on your individual circumstances.

What is Harmoney and how does it work?

Harmoney is Australasia's leading Peer-to-peer lending marketplace. Peer-to-peer lending matches people who want to borrow money with people who want to invest money. It's an efficient model that allows Investors to lend money directly to Borrowers without the need for a traditional Financial intermediary, giving everyone a better deal.

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Step 1:

A Borrower applies for a personal loan, then when approved, lists it in the Marketplace.

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Step 2:

Multiple Investors fund the personal loan in small amounts until it is fully funded.

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Step 3:

The Borrower then repays the Investors over the next 3-5 years via Harmoney.

Who is Harmoney?

We are Australia's newest peer-to-peer lending Marketplace. Peer-to-peer lending has been an established and trusted way to borrow and invest money for over 10 years in the UK and USA. And now, after operating in New Zealand for over a year, we’ve brought it to Australia. Watch the video to hear first hand from our Borrowers and Investors in New Zealand talk about why they chose Harmoney.

Why borrow through Harmoney?

Online

100% online application.

It's easy to apply online whenever suits you. 95% of loans on our marketplace are funded within 24 hours.

Percentage

Rates from 8.99% p.a..
(Comparison Rate 9.52%)

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.

Unsecured

Up to $35,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.


Why invest through Harmoney?

Investor 1

Attractive returns.

Consumer credit generally outperforms typical investments, which is why most of our investors enjoy returns of around 11% p.a..

Investor 2

Diversification.

Spread your investment across hundreds of different creditworthy borrowers with a new asset class to diversify your portfolio.

Investor 3

Professional Investors.

Harmoney is currently accepting "Sophisticated Investors", who can invest a minimum of $2,000,000.

What are people saying about us?