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PERSONAL LOANS

Borrow up to $50,000 unsecured

Personalised rates from 5.35% p.a.¹
(comparison rate 6.14% p.a.
)²

Our latest awards
rate city 2021
finder award 2019 v2
rate city 2020 v2
finder award 2019
mozo award 2018
mozo award 2017
innovation award
Harmoney comes 4th in Top 10 2021 AFR Most Innovative Awards

We've been recognised as one of the Most Innovative Companies in Australia by the Australian Financial Review (AFR). Harmoney’s Libra real-time credit scoring technology secured Harmoney 4th position in the prestigious2021 AFR BOSS Most Innovative Companies Awards in the banking, super & financial firms category.

What our customers say

5.0 Everyone has been real helpful on my loan application 110% for service australia
5.0 Easy & quick no hassles - I think thats why ur called Harmoney! australia
5.0 I just love Harmoney. Never a hassle. Friendly staff. Super helpful. Thank you for being amazing in every area. australia
5.0 Brilliant service from the team at Harmoney. The whole process from start to finish was stress free. Definitely will be recommending their services to family and friends. I look forward to engaging with them in the future.. australia
5.0 Quick and easy loan super helpful australia
5.0 Applying for my loan for urgent medical purposes was extremely easy australia
5.0 This is going to change my life. Thank you Harmoney australia
5.0 Super quick, easy process! Loan approved within 3 hours business time! Super happy australia
5.0 This was the fastest and simplest loan I’ve ever had. We’ll done australia
5.0 Its unreal, i cant believed how fast and efficient the service, i was hesitant at first as i hate the hassles of applying in the banks but Harmoney is great. Definitely will stay with u from now on. Thank you australia
5.0 Hi it was very good service and quick to get a loan from harmony australia
5.0 Amazing, so quick, so easy! Great to deal with, thank you Harmoney. australia
5.0 Quick and easy transaction thank you harmoney australia
5.0 Amazing service. First time I applied for a loan and everything went perfect. australia
5.0 Thank you so much for Harmoney for quick loan approved without any hassle, I appreciated your argent support and fast professional service, I personally recommend others whom need argent support, australia
5.0 Love Harmoney. So easy and reliable australia
5.0 It has been a pleasure to deal with Harmoney have they make it very easy and stress free to obtain the loan I am looking for
Thanks heaps Harmoney and I look forward to being with you for years to come
australia
5.0 As long as the money is received in my account, as I have only done the approval, I am more than happy with Harmoney australia
5.0 Harmoney is the best and easiest way to get a small loan when you need it. Thank you australia
5.0 It's was the easiest and fastest loan I've ever had, truly this is the future and the future is now :) australia
5.0 Very quick and easy process to get a loan. Thank you australia
5.0 First of all, Thankyou so much for helping me out with the personal loan australia
5.0 Second time I’ve used Harmoney. It’s an amazing service australia
5.0 Brilliant loan company !! australia
5.0 Thank you again Harmoney australia
5.0 Absolutely brilliant, can't thank Harmoney enough australia
5.0 Harmoney, my heartfelt thanks for approving my top-up loan to help consolidate my debts. My financial hardship throughout the pandemic will become a little easier due to your compassionate response to my application. I will definitely recommend your services to family & friends if the situation arises. australia
5.0 Never has it been easier for me to get a loan until I came across these guys would recommend to other people australia
5.0 I found my loan application very easy and super fast great work guys will highly recommend use australia
5.0 Excellent communication and fast process . Thanks Harmony australia
5.0 Harmoney have been so easy to deal with. Thanks australia
5.0 The Harmoney Team are very prompt communicators and streamline it all to obtain a result, very happy with the expert help, Rgds Richard australia
5.0 Thank you very much harmoney.i im very satisfied to your service. , australia
5.0 Can not fault harmoney perfect customer service and experience australia
5.0 Make it so easy and always make life easy for me. I love you making my loan payments easier australia
5.0 I have found Harmoney easy to deal with and I am very happy with the service australia
5.0 Great Service, very help staff , highly recommend Harmony for any business owner. australia
5.0 it was just so easy and fast. i applaud you at Harmony for making this experience so easy and painless australia
5.0 no this is the second time we have used harmony and we are always very happy with the service. australia
5.0 Absolutely great , efficient and very fast approval. Tysm harmony. australia
5.0 Harmoney is so easy to apply and you deside on when it comes out weekly tonight month I l i k's that thanks for helping me out again in time of need.. australia
5.0 I am so thankful to Harmoney youse are awesome thnx australia
5.0 Great experience so far when applying for my loan. australia
5.0 I could not recommend Harmoney enough! Staff are very helpful and great customer service, great communication. Very easy process to complete loan application. I can’t fault at all. 10/10 australia
5.0 Has been very good dealing with harmoney australia
5.0 Harmoney are the best, i will recommend it to everyone whos struggling out there, they gave me a chance when no ones will,

From the bottom of my heart, I thank you to all Harmoney Staff
australia
5.0 Harmoney has been a great help to me in achieving my goals, they are very professional and helpful with clear and fair terms and great products. Many thanks to the harmoney team. australia
5.0 Absolutely amazing experience overall! The end to end loan application and approval process was seamless and super quick! australia
5.0 Quick response, and very easy to use. Very pleased with Harmoney. australia
5.0 Thank you for helping me. My experience with your loan company has been great and much appreciated. australia
5.0 Possibly the easiest experience I've ever lived, Thanks Harmony. australia
5.0 Really impress from harmony fast service, its really very fast process for apply loan with harmoney and simple procedure, thanks to all staff of harmoney australia
5.0 You made it so easy. Based on my credit rating there were no issues in approving the loan. Thank you! australia
5.0 Thanks Harmony! Australia
5.0 Been with Harmoney for years now, Highly Recommend Australia
5.0 Great loan provider with friendly and caring staff! I highly recommend using harmoney. Australia
5.0 Really good, I may review further loans and consolidation with you in the near future.. Australia
5.0 Everything went well, was handled quickly and I like the option to repay the loan weekly Australia
5.0 Harmoney is so quick and easy to use. Australia
5.0 Quick and easy to apply for. Better interest rate then last loan l had thru differant company which l completed in 2019. Australia
5.0 Fast & efficient application process. Very prompt replys from the Harmoney team whenever i had a query. Australia
5.0 You couldn't have made it any easier. I applied for the loan on my phone in a break at work and had an answer back straight away. 10/10 service so far!! Australia
5.0 Harmony is so easy to understand on line and when I do speak to a Harmony member they are so polite and helpful Australia
5.0 This was so quick! Can't believe how quick! I am totally going to recommend Harmony Finance to all my family and friends. Thank you! Australia
5.0 Harmony was a very easy process. Thank you very much for the fantastic service. Australia
5.0 Excellent service,easy application process. Better to deal with than any of the big banks. So grateful to Harmony Australia
5.0 Very quick and easy process, Thank you Harmoney Australia
5.0 Fast easy loan process. Very happy with the service provided. Australia
5.0 I honestly didn't realise I could get finance without the headache that's normally associated with it. Very straight forward. Australia
5.0 Second time around with Harmoney and I have to say the service and experience is very good. Thank you Australia
5.0 Everything is so quick & easy with Harmoney! Australia
5.0 quick and easy way to get help in finance. Very helpful staffs. Thanks Australia
5.0 I found Harmony was very efficient with the way they handled my new loan very good thanks Australia
5.0 Excellent service, this is my second ;loan :), would highly recommend Harmony Australia
5.0 The Team at Harmoney are amazing to deal with, the prompt service and a very easy platform to navigate. Australia
5.0 It is quick and easy process to apply for finance for whatever purposes with Harmoney. Australia
5.0 Thankyou so much for making this easy to apply for loan and quick turnaround Australia
5.0 Thank you Harmoney Australia Australia
5.0 You guys at Harmoney are just amazing. So easy. Not intrusive and the customer service staff are super helpful. Thank you for not making me feel like a failure...as the banks do... Being a single Mum on one wage due to my husband passing away all my bank want to do is give me advice on budgeting...no help at all. Thank you again Harmoney for being understanding , helpful , considerate and for putting a smile back on my face. Financially, I can now breathe. :):):) 5+ star service. Australia
5.0 Harmoney makes consolidating debt fast and easy, relieving the worry of dealing with multiple accounts Australia
5.0 Easy to read and understand, will recommend Harmony to friends and family Australia
5.0 it was so easy and paperless to apply for a loan Australia
5.0 Harmoney have been very helpful and easy to deal with. Australia
5.0 Very easy to get funding Everybody body at Harmoney are easy to talk to and very helpful with any questions I had and help me every step of the way with my application. Cheers Peter Australia
5.0 Harmony are amazing they are all about us the lenders with extremely fair loan repayments. The team are always so considerate helpful and put our stressed minds at ease. I would never brow from anyone else. Australia
5.0 Very easy process. If you have any problems Harmoney staff are easy to deal with. Australia
5.0 Harmoney was awesome Australia
5.0 Harmoney have been wonderful. Thank you Australia
5.0 Good Support.... The Page where you select your loan amount after being told your borrowing power wasn't clear to me. Australia
5.0 I have been impressed so far the time frame process has taken to approve the loan Australia
5.0 The process was slightly lengthy, but worth it to get a loan approved in minutes. Australia
5.0 Very easy to apply for a loan and love that you can repay early without any fees Australia
5.0 Quickest easiest loan ever Australia
5.0 Very helpful people at Harmoney . Thank you for your assistance Australia
5.0 so far so good. All process are seamless and less hassle. Hopefully all goes well until I finish my loan. Australia
5.0 i called them twice, very helpful people work for Harmony Australia
5.0 Very satisfied with harmony experience I had is that they worked very quickly and I would recommend harmony to my friends and thank you again Australia
5.0 Harmony’s have been one of the best I have loaned from Australia
5.0 Absolutely no fuss, easy to deal with and the team at Harmoney are super helpful! Australia
5.0 Very easy to understand and follow instructions to complete loan application. 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 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 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 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

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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GET YOUR MONEY FAST

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

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YOU'RE UNIQUE. SO IS YOUR RATE

Interest rates are based on your individual credit assesment - 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
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

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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

Debt con icon
DEBT CONSOLIDATION

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

Find out more

Holiday icon
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

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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

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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

Wedding icon
WEDDING LOANS

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

Find out more

Renovation icon
HOME RENOVATION

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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