Start almost anything with Harmoney

Our latest awards
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Best Excellent Credit Personal Loan 8
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Our purpose is to help and inspire people to start now on their dreams or start fresh - through financial products that are simple, smart and secure.

Harmoney is the only 100% consumer-direct personal lender operating across Australia and New Zealand. Harmoney provides customers with unsecured personal loans that are fast, easy, competitively priced (using risk-adjusted interest rates) and accessed 100% online. Harmoney is comprised of a team of ~85 full-time employees predominantly based in Auckland, New Zealand, half of whom comprise engineering, data science and product professionals. Harmoney’s purpose is to help people achieve their goals through financial products that are fair, friendly, and simple to use.

The Harmoney manifesto

We created our manifesto to express and share our views, motives, and intentions. It explains why we care and why our work matters.

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How we do things

Our passion for transforming the borrower experience means we’ve always approached things differently.

For people whose only experience in personal finance is dealing with banks and finance companies, Harmoney’s differences can be big. For example, at Harmoney we don’t let people assess who is creditworthy. Instead, technology, science and mountains of data are used to make better decisions, faster.

This approach is different, but we think it’s fairer and more reliable, removing possible misinterpretation and unconscious bias from decision making. It also means we’re constantly learning — getting better and better in an ever-changing world.

At Harmoney, we believe using machines to do the things they are good at makes sense. Our people focus on the things that they are good at: researching, designing and building better customer experiences. Our culture reflects our commitment to continuous improvement and growth so we can all be the best humans we can be, creating brighter futures for all of us.

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More about us


A company has leadership at all levels and in teams of all sizes. Leadership is something we encourage and nurture at Harmoney, led by our Senior Leadership Team.

Senior leadership team


People drive Harmoney: their inspiration, imagination, creativity and passion powers what we do. If you want to help Harmoney create brighter futures for people, get in touch.

Careers at Harmoney